I suggested a couple of places where I thought there was enough jurisdiction to sneak this material in, to be honest, and the one on information seemed to be the best place to put it. In terms of what substantive rights we would like, the American law that we're referring to, the Electronic Fund Transfer Act, has provisions, for example, when there is a debit or a pre-authorized transaction problem. The burden of proof, if there's a problem of proof, lies on the financial institution and not on the consumer, for example. It has other provisions, where you have 60 days to find this and if you're diligent and you report it to the bank, then they have to look after it.
Those sorts of things make it a lot easier for consumers.