Yes, I definitely think that doing some benchmarking so that they understand how much effort is involved, by institution, would be helpful because, as I say, it's the one-size-fits-all problem. They look at what the large institutions do, convince themselves that this is the level of effort that's appropriate, and then just apply it blindly to the smaller institutions.
If they had some ability to benchmark and understand what the different institutions do, depending on their business and however you might classify it in a rational way, I think that would be very helpful information. It's information that we try to share among ourselves as compliance officers so that we can get a sense of whether we're doing everything that we should be doing to address whatever the issue is.