Okay, that's what I was asking.
Mr. White, in our study on offshore bank accounts—we had some professors and we had some experts—we're still trying to determine whether there is a legitimate need for businesses to carry on operations with offshore bank accounts. You say that the “growing sophistication of criminal activity is abetted by the same techniques and technologies that spur legitimate opportunities for business”. Where is the grey area there? At what point is it legitimate or not for your organization?