No, that's a good question.
I think the way we look at it is that in following the risk-based approach to anti-money laundering, you do need to assign risk ratings to various clients. For example, politically exposed persons are held to a higher risk rating because of their attachment to government. We monitor all of our clients based on risk ratings, and every organization will make their own determination as to how much risk may be attached.
As to whether that actually influences a credit decision, for example, about whether to extend a loan or allow transactions, I can't comment on how a bank might operate. For us, we make decisions ensuring that we're always trying to manage the risks associated with money laundering without impeding legitimate clients and legitimate transactions using our platform.