As someone who has done considerable work in the medical insurance software industry, I see two sides to this issue. First, some businesses are woefully unprepared for the changes, which really can be complex. On the flip side, part of this is because -- like school homework on a weekend -- they tend to put off until later anything that can be put off. So to the extent the extra time is used wisely, I think it's a good idea. I'm willing to bet, unfortunately, that a lot of businesses will just use the extra time to procrastinate, and will be in the same position a year from now.