The other part of my question related to the banks. I have it here that Scotiabank, one of Canada's large banks, has spent almost $100 million implementing a system to report to the United States the account holdings of Canadians of American origin and their Canadian-born spouses in order to comply. That's one bank, not credit unions and not the other banks. Have you had in your discussions or consultations a global figure as to the cost to our financial institutions to comply with this law?
On May 1st, 2014. See this statement in context.