Maybe I'll start.
To the first question that was asked, yes, and I'm sorry I don't mean to bore anybody or to take too much time of the committee, but there's a clear reference in the intergovernmental agreement itself to the scope of the agreement and it's to apply to U.S. persons, which includes U.S. citizens or resident individuals, as well as a listing of entities.
As to the effect of the proposed amendments, I believe a couple of them would be to try to narrow it so that U.S. citizens who have other characteristics, perhaps Canadian citizenship or Canadian residence, would not be covered by the obligations. The financial institution would not be subject to seeking information in respect of those U.S. citizens who have these other characteristics. I don't believe that the agreement is intended to...and as a negotiator to it that we thought we were negotiating it to do that and have that narrow an effect.
I'll turn it over to my colleague on the second question.