I think there are two answers to that question.
Absolutely, the legal framework in the jurisdictions in which we operate internationally may be different from that in Canada and to the extent that they have different privacy standards from those that apply in Canada, there may not be a free flow of information between those jurisdictions and Canada. That's not to say, however, that it in any way impairs our ability to run our compliance program and run our AML program. On the contrary, because CIBC takes the approach of applying a very strict standard based on our Canadian operations, or the higher standard required in other jurisdictions, we will pursue the same measures we pursue in Canada to identify any suspicious activity, including tax evasion.