Thank you very much, Mr. Chair.
I would be interested at some point, if we have time, to hear some of your suggestions, Mr. Hollander, about what some possible solutions there are to this and how you prevent it, particularly in view of the fact that you said if you have too many rules you actually increase the risk of fraud. Am I correct in understanding that?
Rather than allowing you to give the full exposé in terms of how we can prevent it, perhaps you can provide me a fairly brief answer.