 It has to be visible what you're doing. That is, you need to be transparent, completely transparent. This should be clear. This is what we're doing this month. This is what we're doing next month. Within a year, this is what's going to happen. Within four years, all the regulations are gone. For example, we're not going to do a word deposit insurance immediately, partially because we'd like a private insurance market maybe to try to develop. We'd like banks to start thinking about capital and change those capital requirements. We'd like the whole market, the whole industry to start adjusting to this new reality. So what I'm saying, what the law would say is in three years on this day, the FDIC will be eliminated.