Those are all very legitimate points. There's the banking sector, and of course I think you're exactly right, we shouldn't replicate the American reforms. They got rid of the 1934 Glass-Steagall Act. That was the problem. They had a regulated sector, they deregulated it, and that led us into a lot of these problems.
But with respect to the accounting and tax evasion and disclosure of financial statements and so forth, the Americans have actually been aggressive here. Post-Enron and WorldCom, they introduced federal legislation called Sarbanes–Oxley, because of all the various scandals involving accountants and at times hidden revenues and so on. And then, in turn, we matched that legislation. Sometimes the nickname is SOX, for the U.S., and we call it Can SOX here. So we are regulating to a greater extent our accountants, following the U.S. initiatives.
In some circumstances we probably should follow them, but in others, I absolutely agree with you. With respect to the banking sector, we should not follow the U.S. reforms.