We've heard that old term "caveat emptor" bandied about by the other side. There's a reason that it's Latin and hasn't been used for 100 years: it's because it's a pretty useless term. What it means is it's a licence to cheat, to manipulate, to misrepresent, and, basically, to rip the other side off if they're not as smart as you are. Frankly, the law has moved on, and I'm glad to see it. That is why we have a bill like this, which is here to protect consumers, to impose a duty on insurers and other financial service providers to take into account and take care of consumers. It's how it should be—a great bill. I commend it to the House.