 Well, right now, I mean, if you're an insurance plan, you have to cover all sorts of mandated things. And the federal government, through a variety of regulations, essentially dictates some essentially minimum coverage requirement. That's the federal and state governments have roles in that. And the more you do that, the more that you make it kind of challenging for anybody to deviate. It also, I will note, tends to preference the largest players. If you are a big player and you put handcuffs on anybody else for making a different product that somebody might be interested in,