Well, from being the chair of the tax executive of the Ontario Bar Association, I know there are members of our executive who are tax lawyers who either work at a bank or advise banks. The amount of administrative nightmare they're going through to comply with FATCA is a common complaint. That administrative burden and those additional costs that are being borne by those Canadian financial institutions presumably are not going to be taken out of their pockets, and presumably consumers may see them in either higher interest rates or higher bank charges. But my point about FATCA is that it's not enough to have an agreement between two countries, because you're always going to have a third country that will have a bank that will not comply with something like that because they're not carrying out business in the U.S. That's why I said you have to make it multilateral, if FATCA is the way to go, and you'd have to have at least the G-20 involved.
One comment I would make is that big money is nervous. As you said, it's very easy to speak about tax havens. The fact of the matter is that most people are not going to put a million dollars in the hands of some middleman, unless they are career criminals and that's a different story. But if you're talking about business people who want to structure their affairs, even if they wanted to do something avoidance-related, I don't see them putting millions of dollars into the hands of a third-rate bank that is not tied to an international exchange system.