I think they're very similar, actually. There are some nuances, certainly, that are different. In Canada there are more prescriptive requirements in terms of opening accounts than there are in the U.S. I think it's an often misunderstood notion that the U.S. is more regulated than are other countries in this area, because it's not. The regulations that came about as a result of the Patriot Act were the first big slew of regulations that the U.S. had promulgated in some years. The Americans are generally quite opposed to anyone having information about them personally, particularly their banks. So as a result there has been in the U.S. an evolution of regulatory guidance and expectation. That's really the case anywhere we operate. It's the same in Canada. There are rules and then there are what the regulators expect you to have over, above, and beyond the rules. We all adhere to those expectations.
On March 21st, 2013. See this statement in context.