Mr. Brendan O'Connor:

I do not have a view on the constitutionality of it; I will leave that to somebody else. From a commercial perspective, it is fine. I believe our decisions stand up to scrutiny. To the extent that somebody else wants to examine them and comply or explain — that is the language I have seen — that is fine. The decisions are pretty easy to explain. We do not have that many to explain. We say "Yes" in 88% of cases because it makes sense.