From our experience, compared to 10 years ago, I think it has evolved significantly. Whether in terms of money laundering, fraudulent activity, capital markets, or criminal investigations, in all of those areas we have very strong partners internationally, in a number of countries, especially the larger countries.
We have a lot of working groups with a number of countries, especially the United States, the U.K., Australia, and New Zealand. In all of those domains, we regularly come together to look at what is being done in each other's countries and at methodologies others may be using that we can either share or adopt. In terms of technology, for example, we just had some experts over from the United Kingdom who have some very impressive software they are now using to analyze criminal intelligence related to fraudulent activity, which we are looking at.
It's ongoing, and I would say at this point it's very good.