I would say in this instance we were somewhat thankful to be able to learn from the lessons of others. By that I mean certainly the experience of HSBC, but we also look at Standard Chartered, UBS, Citigroup, and J.P. Morgan, all very large global institutions with historically significant very strong controls in place due to a changing landscape and ultimately a continuously evolving challenge in terms of anti-money laundering controls. There are always lessons to be learned from that, and our policies and procedures evolve with that.
On March 21st, 2013. See this statement in context.