The false and misleading aspect is actually in the legislation, I believe, or the regulations. I may have that wrong.
This is, I think, an appropriate reflection of the complexity of financial products and the difficulty, which we are very aware of, that consumers have in understanding them. Part of the challenge with financial literacy is the complexity of the products, and we see that over and over again. That's part of the challenge in ensuring that consumers are informed enough to make the right choices.