There are a lot of things here. Not only banks sold the products; we know that. I don't know all the details here, but banks can act in different ways as fiduciaries, in which case they have an obligation, if they are giving advice, to know the product and the client. That is what the securities commissions and the IDA would be looking at.
Banks can also act as order desks. The phone rings, you pick it up, and someone says, “I want the product.” Banks would have tapes, etc., of that.
It's hard to make generalizations. If anyone is giving advice to buy a product, there is a regulator involved. It's not me, but there is a regulator and they're looking at that.