What we have in the industry, in addition to the protections in the event of bankruptcy.... Where you're going is consumer redress for victims. Again, there is a national program, the ombudsman for the banking and securities industries. In those circumstances, there is an opportunity for aggrieved clients to seek redress through that mechanism.
I can't speak for others, but it turns out that in our industry certainly there has not been any large-scale malfeasance. There has been in some other industries, but certainly not in the securities industry, and there are very few complaints that actually even come up through the OBSI, and most of them are settled in advance.
I should also add that the OBSI itself has just had a consultant review it, and there are some recommendations to move to a second stage, so if there's an OBSI decision, there can be mandatory remediation with the client.