I agree with those comments. I would just add that this is a relatively immature business, this whole thing of anti-money laundering and anti-terrorist finance, with most of the progress being achieved in the last decade or so. I think some of our learnings have been that it very much changes. To the extent that we can be agile in adapting our methodologies, in a fairly proactive way, to risks as they emerge....
We've seen greater cooperation between government agencies and the regulated entities more recently, and I encourage that. We also look forward to the threat evaluation that's presently being prepared by the finance ministry. We look forward to receiving that to help us better understand what the threats and vulnerabilities are. That needs to be a continuous part of a cycle of risk assessment, building controls, and evaluation.