Yes, I think this is an important question that we've been asking ourselves for several months now. You're right, as I reflect on what's happened over the last two years, one of the things that I think has not been managed by me as well as it needed to be was finding the right balance in making sure that businesses have rules of the road and are treating customers fairly and -- whether it's their credit cards or insurance or their mortgages -- but also making absolutely clear that the only way America succeeds is if businesses are succeeding.