We did not consider that point. I would first like to reiterate that we support this bill. However, we believe that a number of simple amendments could address some of our concerns about legitimate commercial activities. Clearly, it is important for us to be able to make that initial contact with a prospective customer.
As for our concerns about existing customers, let me just mention that we would not be allowed to refer an existing customer to another affiliate of the bank. We want to be able to do that. We also believe that we should be able to offer an existing customer of the bank the option of being referred to affiliates of the bank or to other banking services. That is our only concern with respect to existing customers.