Fine, but if you could, please send us a brief, because our time is limited. We only have a few minutes to ask questions, and that includes the responses.
One aspect of your brief that I did want to address was something you said about the additional regulatory restrictions being a problem. Could you give me an example of where the legislation is causing you more paperwork? Is that what I should have understood? Because of the additional regulatory restrictions, it's going to cause the banking industry more work, more paperwork.