It depends on the year. When the branch closure regulations started up whereby banks were required to give disclosure on closing the branches, you would see in our statistics a balance in terms of not complying with the branch closure regulations. They have adjusted, and that's not an issue in today's regulatory environment.
Primarily, as I say, it's dealing with the disclosure up front of the terms and conditions of the credit card, line of credit, or loan the person is getting, and making it clear what the interest rate is, what the fees are going to be, and how the changes will occur or what the changes will be during the life of that agreement.