We do a number of things upon someone's application in order to determine whether they are worthy of being hired at TD Bank, whether in the U.S. or in Canada. One of the things we do for all employees is to run through the sanctions lists with them. There are multiple lists here as well as in the EU and the U.S.
We do background checks in both jurisdictions. In order to ferret out things like illegal drug use, etc., we take urine tests, and we take fingerprints. We do quite a bit of work to make sure at the outset that our employees are people who should be entrusted with these positions on a going forward basis.
I think TD worldwide has 83,000 or more employees, quite a large number, and to suggest that we monitor every single action of every one is, I think, impractical, but we do have other things in place to look at financial activity. Their accounts are monitored just as anyone else's accounts at TD would be. Certainly for trading and other activities, we have heightened types of processes to look at where they're trading and how they're trading.