Yes, and most of them, like you say, would have Canadian driver's licences and would have always had Canadian addresses, so when they opened the account, I can't imagine—you're right—that they would have ever given that.... That leads me to my next question and the due diligence process.
When you talk about that, my understanding is that the IGA gives the financial institution an option to clear the U.S. indicator, but the implementing legislation, proposed subsection 265(5) of the Income Tax Act, makes it mandatory for the contact to allow them the attempt to clear the indicator. Is that your understanding as well?