Mr. Chairman, I think it's a good point. One of the things that this proposed legislation that we have in front of us here does, is move a lot of the provisions for adequacy of benefits into regulation, so that it's easier to make adjustments, than has been the case in the past, when it's in legislation. A lot of the adequacy issues are tied to the YMIR, and we do make that adjustment annually. So the most recent one would have been several months ago when we adjusted the YMIR.