We will be meeting with the banks next month to talk about the 6.5% increase. Part of that increase reflects the fact that we did not spend as much money last year as we told them we would spend. We had a number of vacancies, particularly in the Toronto office, which we're now moving to fill, which contribute to the 6.5% increase in costs this year. The Basel II they're fully aware of. They've been aware of that since day one, because we've communicated with them a lot about our costs on the Basel II front.
As well, they are paying for some additional resources in areas like anti-money laundering and accounting, which are big issues in the banking sector now. And they will be paying for enhanced governance at OSFI, so they will end up paying for the audit committee that we have created and the internal audit unit that we have staffed up as well.