Thanks.
First of all, I'll comment on your first question. One of the things that I think is perceived is that arbitrators are slanted toward business and that they're going to always see it from a business point of view. I think the reality is that the results are really half and half. I mean, states lose and claimants lose, so I don't think that really is the case.
In terms of having subject matter experts, I think it can be very useful to have the view of people who are in a particular marketplace, who don't have to be educated about it and can look at it from a very practical commercial standpoint, which, of course, is what the business community is looking for.