I'm expecting that there's going to be quite a significant—and we've heard this from some of the banks before today—investment in the technology that's going to be required to actually manage and monitor this type of thing, which would have been in place either way, I'm assuming. So with that case, if you had to go under FATCA and had a one-to-one contract relationship with the IRS, if you will, then I'm assuming that it would have been a much more significant investment on your part than having to specify, along with the exclusions of the registered accounts.
On May 14th, 2014. See this statement in context.