No. We think that is an overestimate.
Again, I would acknowledge that we're early in the compliance program, so we don't know for sure where it's going to go. However, based on our evidence to date, we see businesses generally complying. Where they have made mistakes, they've been errors because of the complexity of the program or what have you. We have seen some pockets of people who have intentionally misled, and we're pursuing those.