I was looking at some of the submissions, actually, and they are just a swag of people saying, "Look, first of all, this bill should be delayed." I'm just looking at those from the banking industry, I'm looking at those from the insurance industry, I'm looking at those from CUBS, which are, effectively, the credit union entity—all of them have this consistent recommendation that this is poorly defined, poorly drafted legislation, and the delay around doing this should be paramount.