Mr. Chairman, I haven't walked through the actual account-opening process for some time now. My understanding is that, no, there is not a specific focus on bringing to the attention of somebody hoping to open up an account that the person needs to comply with the law, whether it be tax compliance or any other law. It's not currently something we draw to the customer's attention.
To the question of whether that might help ensure tax compliance by taxpayers, it may very well. I think we work in a system in which most taxpayers already know that it is their obligation to declare taxes and pay taxes. So another reminder may or may not be beneficial.