But the reporting standard procedures are important and we should have known about those. I think that businesses will move in this space as fast as their customers demand, as fast as their competitors move—or perhaps a little faster if they see an advantage in it—and as fast as their investors will demand. All those forces are already in play, and businesses, if they are successful in any way—and all these businesses are, or most of them, anyway—are very aware of that every day. A lot of these businesses are financial institutions and insurance companies, and all of those entities are in the business of measuring and assessing risk every day. 