Chris Van Hollen actually said...

It's fair and simple, and we can have a mechanism to get the funds back on a realtime basis to draw a real connection in the consumer's mind...

So, I would ask all our colleagues to take a look at that essentially universal rebate proposal.

We would like to look at expanding that to some debt financing as we go forward.

I think we are all still working on this third piece, on getting the credit flowing again.