Thank you for the question. You have put your finger on a very important issue. It is an issue with respect to which we've been very concerned—so has the OECD—and we made substantial progress here. I'll speak specifically about Barbados in a moment.
The OECD publish a list, and one can call it a grey list or a black list—we supported this—of countries that are not prepared to exchange tax information. This is the essence of the problem: it's countries taking deposits and not being prepared to exchange that information with the country of the originator of the deposits. So these are tax information exchange agreements that we are requiring from other countries in the world, including Barbados, and we've made substantial progress on that. We'll be able to speak more about it soon, not only Barbados, but a number of other countries, where it's been suggested that they were not freely exchanging information.