Mr. Chamberlain, you mentioned tax products in the U.S. having to be vetted and registered. Does that also come with somewhat of an audit and access to, in that case, the IRS in the sense that it's one thing to vet and register, but someone also has to regulate and audit, and the fact that whatever has been registered is actually what is being offered and not just some version of it, which I assume would provide some access? In this case, if it were the CRA auditing that, was there legislation to ensure in random audits that what was being offered was actually the item that was vetted?
