Secondly, Ms. Urquhart, Mr. Fullard referred to the know-your-client rule. I found that remarkable, since the income trusts were marketing themselves as having 15% returns in many cases—a reliable 15% return—but they weren't telling people that part of that return was their own money coming back to them, their own capital, in these distributions. It wasn't earnings; it wasn't earnings at all. They were paying people back with their own money or, even worse, borrowing money to pay them back money.
Would you like to expand on that a little bit?