Right, and we are pleased with the performance of our ombuds office. I think we make all of our clients and employees aware that it's available for them. It's easily findable on our website. It seems to be working fine.
I think we live in a very well-regulated industry. I think that in some respects we're the envy of the globe in terms of how our financial system has performed recently, and I think that goes to the credit of our regulators.