If I understand your question, I think it is indisputable that not all countries are as good as Canada is in asking the types of questions that you were asked when you endeavoured to open up an account for an investment property, or whatever it was. There is no question there is not necessarily a level playing field out there in that arena and, as a result, there are many who think we overregulate. I'm not among them.
That's unquestionably the case, so I think that the issue for us as financial institutions is how important it is to us to keep that type of activity out of our bank wherever it exists. From my perspective, from TD's perspective, we have a very low tolerance for risk, as I said earlier. We're going to make sure that wherever we're doing business we are employing the right standards and that we're ferreting this out.