If I could have the opportunity to respond as well, I think somebody might have misinterpreted our approach here. We're not against SMS. SMS is a good idea. I agree with the vast majority of comments that have been expressed about SMS.
What we're talking about here today is that the system of regulatory checks and balances has to be maintained while we're bringing SMS on line. SMS is a good idea, and hopefully it will deliver all the things we anticipate it will do, but we need to have a balanced approach to make the transition.
I'm providing information to you here today to let you know that I am concerned. I would like you to be aware that as you make your deliberations, there are a lot of things that have already been shut down.
Thank you.