Thank you.
To be clear, you're talking about U.S. persons as defined in.... You know who's affected, whether they're dual citizens or otherwise.
Would you agree that the FATCA and IGA would impact all Canadians who have money in banks and credit unions, because as you referenced yesterday when we talked about the amount of money—although you didn't have an estimate—the literally hundreds of millions of dollars that are forecast to have to be spent will be absorbed by those of us who use banks and credit unions? And, as Canadian taxpayers, you mentioned several million dollars that the CRA would have to pay to implement this agreement. Wouldn't you agree, in those two contexts, that it would apply to all Canadians who use banks and credit unions and are taxpayers?