Deborah Ross actually said...

So my question to you, I guess, as a result is, if we impose the bank-centric capital requirements on insurance companies, would that have d...

Would it be safe to say, in my last 20 seconds, that the future is not too bright for the nonbank financial institutions in terms of having ...

So, they are sitting on the sidelines. In other words, investment capital is waiting.

But isn't that what the market does?