You are very astute. You noticed that I was skating around a bit as to the number of penalties we issued. The reason is that at this time some of them may be appealed, and others are just being drafted. It is for reasons of administrative law that I did not want to provide a specific number.
To get back to your question, I would say that at this time we can conclude compliance agreements with certain banks when they breach the law. In that way we want to ensure that they put in place the necessary controls and that they comply with the law.