In answer to your second question first, I think the answer is yes. And one of the things that we've observed is that to the extent that we've been successful in our attempts to limit money laundering and terrorist financing, it's an amorphous type of threat and it will change very quickly to adapt and find the path of least resistance.
I think to your first question, whether it's shadow banking or alternative payment systems or other forms of unregulated entities, to the extent that they provide some of the features that can be exploited by the criminal element, they will pass. Very often, criminals are looking first, to place cash, and, second, to move money across borders between various individuals, and so to the extent that they can use mechanisms to move money or transfer value from one person to another, particularly if it breaks an audit trail and it becomes obscure, they will use it. And third, anonymity is something....
Regardless of what type of financial services you are providing, we take a risk-based approach and have to look for those types of vulnerabilities and think how they might be exploited.