To address your comment on whether we feel targeted, I think the answer to that is no. There seems to be a common misconception that credit unions somehow are weaker or less stringent in the exercise of their due diligence. I can assure you that's not the case. We have to live by the same rules as the largest of the banks. There is no fact to that; it could be a misconception, but that is all it is.
With respect to a registry, we definitely are in support of that. This is one of the areas where I think we could make meaningful reductions in the burden that we carry for compliance, if just the gathering of factual information such as beneficial ownership information can be done just once and it's held in a repository that's accessible to all. That way we could also be assured that everyone is seeing the same information, because right now there's no assurance of that. Clients could come to a bank and give certain information; they could go to another bank and give other information; then they could come to us and give other information. So you could have three sets of information out there that may not be entirely different but not necessarily completely the same either.