Thank you very much.
Two things that have been part of the discussion so far deal with what requirements, if any, financial institutions had to notify clients whose accounts had been frozen, whether they under the authority of the emergency measures order or under some other authority, and what financial institutions were expected to do with that information or any potential flags on people's accounts that should have been frozen under the order.
Can you give us your thoughts on each of those things—whether there was any clear direction provided in either of those cases, either verbally or in writing, and, if not, whether you think clear direction on those matters would be useful?