The safe-harbour provisions that operate in the United States are focused on providing protection against proceedings in circumstances where entities are actively reaching out to regulators to seek assistance and actively reaching out to provide information to the government to not only protect themselves but also protect consumers and others. Safe-harbour provisions in the United States do not come with a complete shield but do provide protections for entities when they, in good faith, reach out in those circumstances. Is it the government's view that the safe-harbour provisions in the United States are not working?