I'm sorry to interrupt. It's very good stuff. I hear you. I see you reading your talking points. You still didn't explain to me, though, how your organization failed to respond in 2012 and in 2014 to exactly the same recommendation, and I have no doubt that somewhere in there you were giving the same talking points.
The fact is, it didn't get done. I understand about the cards that are issued and those that can't be issued until they're out. That's in here; anybody can read it. You didn't tell me anything I didn't already know, Commissioner. I'm not impressed with that answer.
Chair, I only have two more questions.
On the action plan—