That's right. We've tried to launch research projects to investigate these questions exactly, and in order to do that we wanted to get access to the information from the banks. We were willing to sign whatever they required in terms of anonymity and confidentiality and all of those things.
Generally, as academics—as I said, we're not journalists and we're not on a fishing expedition—we share our reports with people who participate, so they will see that their perspective is fully and accurately reflected. We don't want to point fingers and blame. We give everybody the opportunity to comment if we're putting a draft report out. They may not like our conclusions, but they certainly have the opportunity to see that it's accurately reflected. However, we have been unable to get the banks to cooperate with us, or the financial aggregators that I mentioned earlier.