All right.
My next question is for Mr. Hannah of the Canadian Bankers Association.
Just now you said that when a person comes to a bank and opens an account there won't be many changes. You say that if there is some indication for a new or existing account that it might be for a U.S. person, then the financial institution may ask them to self-certify if they are or are not a U.S. person for tax purposes. What mechanisms will the bank have to apply to determine whether that person is indeed a U.S. person?