Most stakeholders, especially the large ones, have known about this for many years, so there has been abundant opportunity for that. In fact, they were parties to the design. Many businesses have known about these changes.
We had a firm implementation date in the fall of 2023. We changed that date very close to the deadline, so I believe that businesses have had extensive periods of time.
Going back to my earlier testimony, if an additional period of time is necessary, we're listening, and we're working on the parameter of additional time. However, in fairness to those who are ready—and this goes back to the competitive landscape—we're very mindful that some businesses and players in the market are ready for CARM, so we don't want to disadvantage their market share.