 You have the Consumer Financial Protection Bureau that are going through every little nook and cranny trying to regulate credit cards and rewards programs. This is something that's happening behind the scenes. Congress is not legislating. So agencies are doing more and more. You have the IRS, the direct file, the IRS that is now preparing your returns. And, Ed, we've talked about this before. Again, the IRS is expanding their mission. And that's what I want President Trump to talk about.