Absolutely. They're on the front lines of this fight, and they are absolutely willing partners in this fight. They understand the risks and vulnerabilities of not taking this seriously. It's a reputational issue for them as much as anything else, so it's real bottom-line dollars and cents. We work very closely with the Office of the Superintendent of Financial Institutions, the prudential regulator, and the individual financial institutions to ensure that we develop a regime that makes sense, conforms to some of their business practices, and is solid.
On October 31st, 2006. See this statement in context.