The fee on financial institutions, it is basically a tax and as such it's up to the Congress to decide whether it wants to raise revenue through taxing large financial institutions. I think the only observation I would make there is that it should be structured -- if you do do it, it should be structured in a way that doesn't create unnecessary problems. So for example, one of the original ideas was to tax based on leverage. But some further investigation discussions sort of reveal that that would cause very severe problems in the repo market, that would essentially disrupt some very important markets because it would create essentially a tax on certain kinds of transactions.

      So there are other ways to create the tax base if that's the way you want to go. So my only advice there is if you decide -- if Congress decides that you want to raise revenue to that particular method, and you can justify it just as a general revenue measure as well as a repayment as you wish that you do it in a way that minimizes the disruptive implications for the markets.