Certainly our members are getting a lot more savvy in terms of anticipating what's going to be asked of them as they enter the regulatory process. So I think we are doing a better job of producing as much upfront information as we can.
There is still the tendency to be asking for information at a very early stage when it's not really available or when we won't even know the information until much later in the process. There are still some inconsistencies and some issues in the process, and not necessarily in the legislation.
What we're focusing on right now is having a very clear understanding of what the new legislation says so that when the regulations are built, we can anticipate how to better fit that model.