Certainly.
I think the proposed amendment, which currently as proposed allows the financial institution to designate certain low-value accounts, would change the nature of it to require a financial institution to make that designation, to effectively exclude all accounts below $50,000.
The reason for the proposal, the way it's framed, is to allow that flexibility for financial institutions and their clients, in terms of trying to come up with the most efficient way of collecting information. To explain that a little bit further, it may be the case that some financial institutions will choose not to collect any information in respect of accounts having a value of less than $50,000, and if and when those accounts exceed $50,000, to try to get that information at that time. What we understand is that some financial institutions believe that it's in their and their customers' interests to try to seek that information as to their account-holder status when the account is opened, so it's not necessary to try to get that information at a later point in time. That's the reason for the legislation as it's currently framed.