I'll respond to you more fully, but certainly money laundering is a huge burden on credit union organizations. Obviously, we're not in favour of money laundering, but the compliance, especially in the area of records maintenance and tracking, is a real burden for small institutions and an inordinate percentage of staff time goes into this kind of compliance work.
Another burgeoning area has us concerned, and that's the anti-spam legislation. We're awaiting the final regulations, but we see that as another source of administrative burden that probably is more than it needs to be. We haven't seen the final version, so we're hopeful that we'll see something lighter than what was originally there.
Those are two examples.