That is on the compliance side.
To be clear, that's not a cause of FATCA. That is a U.S. tax problem under the Internal Revenue Code, and the way that the Internal Revenue Code classifies tax-free savings accounts.
The only issue with FATCA is the amount of information being reported to the IRS by way of the CRA, and then the compliance issues that such information reporting generates for average Canadians. The issue I was talking about with the tax-free savings account sort of works as follows. In Canada, everyone knows that a tax-free savings account, if you own a mutual fund you get some dividends and that mutual fund dividend is not taxable, but in the United States that tax-free savings account for your U.S. tax purposes doesn't protect that mutual fund dividend. And then there is the issue of how that—