They're still conducting business in Ireland and doing consumer retail banking. I don't know that there has been any loss of business there.
It's best not to mix up financial stability of the institutions with these consumer protection matters. The financial stability and the reserves that banks need and all those other Basel kinds of things are really not the same question as consumer protection. We're talking about what happens when I'm wronged by a bank and I need redress. It's very hard to get in this country. It's very confusing, and my rights are quite limited.