I mostly agree with you, and I do think there's a great deal of gaming going on in the numbers. But I also think one reason for having 4 years for the benefits

I mostly agree with you, and I do think there's a great deal of gaming going on in the numbers. But I also think one reason for having 4 years for the benefits to kick in is to give the private companies implementing those benefits times to adjust. Given that concern, it's probably not nearly enough time.