The banks have put a lot of resources into this, and we're not suggesting that we don't want to keep that level of resource. We just want to get the most output for that resource, and we feel the best way to do that is to focus on the highest risk customers or typologies.
Sometimes in the regime, there's a lot of noise that doesn't necessarily cause compliance burden, but it doesn't necessarily bring you a greater output. An example would be ongoing monitoring of an account. You're supposed to have ongoing monitoring of low-risk accounts. You have a retired person, but you're still supposed to make sure that they're retired or they're still living at the same place, those types of things. We want to focus on the risk.