It's a very good question and one that we confront all the time. As I mentioned, we do provide compliance risk management software to some 15 or 20 banks right now. The difficulty we have is that, while the law is sort of common, each bank operates in a distinct way, particularly in the small bank community. At the end of the day, there's not a huge difference between the Royal Bank and the Bank of Montreal. They're both full-service banks that operate substantially in the same way.
In the smaller institutions, the problem we have is that each of them has quite distinct operating models and quite distinct business lines, so it's difficult. While you know what the law is, applying it in every institution is a unique exercise and it's hard. We've put a lot of thought into how to ease that effort for those smaller institutions, and, to some extent, it's why our software is successful. We automate as much as we can, but it's hard to go that much further. Software helps, but at a certain point, human beings have to be involved.