I think it is helpful. I'm wondering whether or not there's a middle road here. Public education seems to be very broad and could be very expensive. Public service can be something different. If there is a swarm of bank information problems—scamming through the Internet, or identity-theft type issues—about which the public needs to be engaged and cautioned, etc., this is public service, to me, because it's important to do, and it may help.
I think the points have been raised by the members about the costs. I would also hope, though, that to the extent that we get 100% operational on the investigations and the complaints side, all of a sudden the efficiencies can lead to opportunities to rejig resources as well and still stay within your envelope.
We will go to Mr. Siksay again, and then I have Mr. Wrzesnewskyj and Mr. Kamp.