 Well, I don't know if I would say we're open for business, but I would say the same sort of general comment, which is we are very interested in what's happening in the private sector and what tools that we can take advantage of and what approaches that we can use that actually will really move the needle. And I just would come back again as we don't have the depth or the capability to develop these tools internally. The private sector has spent the banking industry and the credit card industry, the financial industry,