It's a valid point and a good question. The larger financial banks in Canada use service providers, quite frankly, to help us with list generation. Some of us use the same service providers. There are a number of them out there that are best in class.
We don't really share information around clients, etc. We do collaborate on a regular basis to talk about practice and some of the issues that we encounter, but there is no central list. I'm not sure if you would ever have one. You could do that for Canada, and that would be great, but you still have other jurisdictions that you have to derive lists from, so unless the United Nations or someone comes up with a master list and a service that everybody could use, we're kind of left to our own devices. Quite frankly, we use a service provider.