Okay. Mr. Pigeon, I'd like to go to you.
A number of your members, obviously, would not be exempt under the $175 million, so there is going to be something there. I appreciate the comments that have been made today, that life under the IGA is better than not, and that it is beneficial to Canada. So I do appreciate that.
By having the IGA in place, and the certainty of an IGA, there's going to be cost to the financial institutions of actually having to comply with this and there would have been costs to the financial institutions of having to comply with FATCA, as opposed to with the IGA.
So what are you seeing in your financial institutions with respect to the cost to comply with this? Is it better under the IGA or is it relatively the same? Because you're going to have to pick this information up out of the accounts.
And the second part of that would be, do you have the U.S. indicia that you're going to be able to pick up from these accounts in the first pass?