I think from our perspective, I agree with Wayne. We don't know how it's going to be implemented, so we have to know what the regulations are to see who it's going to apply to. I think we need to know that.
But as I said in our statement, using the example of the military individual who is working his military job—his or her—sometimes they also work a second job, and the spouse also tries to eke out a living doing another job, so the family may have three incomes. If the wife or spouse loses that job, they go down to two incomes. If the individual is injured, they only have his earnings loss benefit or whatever he's left on at that stage in the game, so there has been a significant drop in that family income to where they are now from where they used to be.