I believe the report articulates what those around this table have known for some time that state regulators have developed a system of oversight that satisfies our most fundamental regulatory objectives: insurance industry solvency and policyholder protection. The areas that the report recommends action on and remember, that was the purpose of the report, to identify gaps and areas for improvement are being taken seriously. In fact, many of the areas identified were already under consideration by various NAIC committees before the report was issued. State regulation is not and has never been static. As we continue to make significant enhancements to our system, it is always with a keen eye to our core mission the stability of the insurance marketplace and protecting consumers.