From our perspective, our business globally works with an agent relationship and our to-date response to this need for tighter anti-money-laundering control has been to simply create the infrastructure within our organization to allow our agents to comply with jurisdictions everywhere that we do business. So it has been a serious line item of expense for our business, but as I said earlier, we agree with this type of legislation and accept it as a cost of doing business.
That being said, Mr. Bernier's point is exactly how we feel. The nature of the regulations that we keep alluding to but haven't seen is the real crux of the matter in terms of determining how onerous it will be for a business to comply with the bill and still maintain a profitable business.