First of all, every major bank has already determined that errors and omissions were made in the offer. They don't say so quite so clearly, but they have made cash settlements with their own retail direct customers. National Bank put a cap of $2 million. We don't know what the caps are in the rest of the banking system. So what has happened is that the wholesalers who sold the tainted product to the independents are saying they are not responsible. Canaccord and Prudential are investment banks themselves--
