The timing is bad, with elections in a number of places, including the United States, Brazil, and Europe. It might be a better time if you waited a couple of years, but if it does crash, that's going to force people to act.
It does need reforms inside the system. You can't really negotiate with 148 countries. A different way has to be found to do it. It's all the countries with their different interests that are hanging it up, and the developing countries are really, for the first time, playing a very, very significant role. They've gone into groups. They have power. The steering group has changed. There are different interests, and they're going through growing pains. But if the thing does crash, you'd have to reinvent it very, very quickly, because we'd have chaos.