Perhaps I could start, and other colleagues could join in.
I would certainly agree with the view that this has been a long-term challenge for a number of years and will likely continue to be a long-term challenge. By definition, the tax havens issue involves other countries around the world, and any sustainable action to address it involves the cooperation of other countries around the world. Working in multinational forums such as the OECD and other venues like that is always challenging in terms of the length of time it takes to work through these kinds of issues and to get agreements on different approaches, exchange of information provisions, and so on.
We would certainly agree that it is a challenging issue that does take a fair amount of sustained effort and commitment to address.