Yes, well, I wanted to ask you, because you presumably had some consultations with financial institutions. It would seem to be a question that might have come up.
So it was $100 million for one bank. That's presumably going to be passed on to all.... It's not just U.S. persons, in other words, who will pay that. It will be all of us—Scotiabank customers, for example, or shareholders who will get less return.
Isn't that logical?