This bill doesn't actually deal with, I guess, something called caveat emptor or buyer beware. There is always this issue when someone is purchasing a financial product or an insurance that they should really read into it. Fair enough that there are some financial literacy issues that we have in this country; we need to improve some of this. But I'm not so sure if there's another piece of legislation or regulation that needs to be introduced to deal with something we've already dealt with, which is already in place. 