 We look at changes to the program. How does that impact your underwriting? Should we be looking at adding more areas or scrapping altogether? I think that's one of the questions we're going to look at here. Basically, what kind of changes do you see to the program that can be impactful? The 10 transformational export areas here, do we need to scrap it? Do we need to expand it? You mentioned already that the 2% default cap rate is a problem. Should it go to 4? You suggested here that we have an exemption for just CTAP programs. Can you expand on that, please?