Shining a light on the information is really key to knowing what's happening and getting that information.
I have to move on.
Mr. Bartos, you described a number of provisions in place to ensure transparency at HSBC. HSBC, of course, is a huge bank with $2.7 trillion in assets worldwide. I know that over the last year it's paid about $4 billion in fines and settlements due to various investigations. Were these measures that you talked about in place prior to those investigations, or were these changes the bank made in response to those investigations, and therefore you would expect that won't be a problem going forward?