We haven't done an analysis for AML-ATF in particular. We've done analyses around total regulatory burden, but AML-ATF is always cited as the number one most burdensome regulatory policy out there.
I can give you some numbers from a study one of our member centrals did of Ontario and B.C. credit unions. They found that the compliance cost per member—and, again, this is for the entire suite of regulatory policy and positions—was $75 at the smaller credit unions, those with $250 million or less in assets. At the larger credit unions it was $22 per member, for those with $2 billion.
Just within the credit union system, you can see that the impact of regulatory burden is quite disproportionate, depending on your size, per member. We can imagine that, if we extended that to the large banks, the gap would be that much bigger.
These are real numbers we have gotten from surveys, from analysis, and again, this kind of research has been replicated in the U.S., in Italy, and elsewhere in Europe. We even did a study earlier, in 2011, with almost identical results where, within the credit union system, the big guys have five times less cost, from an FTE perspective, than smaller guys do.