Point number one on it is that Canada and the U.S. have a very substantial information exchange agreement and tax treaty already in place, and we think that should be the conduit through which information should flow. Everything else that followed after that was in the instance that they simply did not go that way. A number of issues need to be resolved to try to be able to comply with this piece of legislation. And it talks in there at length about places where there are potential conflicts of laws--access to basic banking services, account opening requirements, privacy issues, withholding tax issues--all the complexities that are being created by the approach that has been taken to this issue by the U.S. Congress. And a number of other countries have raised and are raising the same issues.
And it's because what they have done is try to bypass the exchange of information between authorities and go directly to foreign financial institutions, and that's creating problems.