I think at the outset and returning to my earlier answer, the key element within that, and I think this applies equally to regulatory authorities and government agencies as it does to the banks, is ultimately having an understanding of that individual's financial circumstances. The determinant for us is a witness test on does it make sense given the nature of that client's investments. For example, if you were an engineering firm, it does possibly make sense for you to be investing in the rebuilding of Montserrat at this point in time. That makes sense within the context of that business. If, on the other hand, you were an individual, a retiree from Penticton, to be investing a large portion of your net worth into an investment in Montserrat simply doesn't make sense.
Those are the types of questions we would ask. I would say that within our inquiries we're asking whether you have investments at other institutions, much as on your tax return you're asked whether you have significant assets outside of the country. Those are the avenues to follow up on that in terms of what those are and does it make sense.