My last question will be for Mr. Jason, Mr. Gibbs, and probably Mr. MacDonald and Mr. Binns.
You've all mentioned that you have taken measures within each of your sectors to know your clients or to make sure that transactions of a certain amount are conducted in a way that allows for some greater transparency. If you feel, therefore, that you have established those norms, even if they were to be principle-based, why would you then perhaps be reluctant to want to be regulated in some way to make sure that you do meet those norms and international standards.