I have a question for the banking industry representatives to begin with.
When we think of shadow banking, often the risks associated with shadow banking are around the prudential risks to the system and credit issues. But what are the risks of shadow banking in terms of potential terrorist financing completely outside the realm of traditional banking? That's number one.
Second, is there a risk that if we do all the right things in clamping down on potential activities within traditional banking and helping to provide the tools to do that, those involved in terrorist financing will simply pursue their activities outside of traditional banking?