First, on the issue of the cost of compliance, we will have to forward you that information at a later date. We never bothered to establish a grand total.
Furthermore, having chaired the Desjardins Group's anti-spam committee, as Aïsha is doing now, I can tell you that we are talking about several dozen employees, since we have to include every branch, every caisse and every aspect of compliance, from legal affairs to operational risk. I will forward you this information as well.
On your second question, now, as to whether smaller companies can bear these kinds of costs, I would have to say that it would be unrealistic to think so. The Desjardins Group is a massive company, and even despite that, we feel the burden is much too heavy to bear. I think that more than answers the question.