And just echoing, too, what Ingrid Leary was saying earlier, I think the potential to apply some of these regulations to intermediaries is really important, and that is an area that needs to be properly met. I looked at some of the background into what led to this bill, and really thinking about the sort of predatory nature that some insurance companies take on and particularly how they target people that may not have the literacy to understand what may be offered. And I think it is important that we set a regulatory framework that addresses the predatory nature of these institutions.