Steven Daines actually said...

I know industry has been working collaboratively to address cyber and published some best practices in July.

I think it's important that we all hold ourselves accountable with something that's quantitative.

Well, let me say this. I spent 28 years in business. I understand aspirational targets, and certainly, we should aspiring to zero.

I'd like to see some clear goals set, that we want to take admin costs as a percentage--if they're at 12 percent today, how do we get to 11 ...