Okay.
I'm not an academic. I have received my training, for the most part, right in committee. We constantly have the good pleasure of being schooled by people such as you and by the reading we do. But I am a free-market thinker. The older I get, the more convinced I am about the free market.
Maybe I should direct this to you, Mr. Downs. Isn't this a question between the free-market system versus maybe a new school of thought that we need to regulate these things? Don't we just step out in faith, when we make these agreements, trusting, looking back on the past, looking at what's been the result of a free-market system, that these things will play out in a positive way? Am I wrong in thinking that?