It sounds like, from a global perspective, we are getting much more comprehensive in our analysis and we'll have a much better focus.
I would ask for a quick answer to my next question because I don't think I have a whole lot of time and I have one other question to ask.
One of our previous witnesses suggested that this automatic exchange should be very simple in nature and then the TIEAs should kick in, so really the automatic exchange would be just focus on whether the person has an account in this country, and then using the TIEAs. Is that how you envision an automatic exchange? I don't know if you can answer that quickly or not.