A lot has been done since the financial crisis of 1998, but there's still a lot more to do. Russia has a large number of “pocket banks”. There's a need for consolidation in the sector. There is a need, frankly, for better leadership from the Central Bank. That leadership has not been bold. If we compare, for example, what Nigeria has done in the last 18 months in restructuring its banking sector, Russia is nowhere near that. It may lead on railroads, but it's way behind on banks.
As for the security of financial transactions for investors, there, I think, things are relatively good. You choose your bank carefully, and you work with that bank. I think there's a relatively good record there. There's not a big track record of funds being completely diverted nowadays. In the mid-nineties, there was a much more patchy record.
Another thing that I think is important to highlight is that Russia is contributing strongly to the process of trying to reduce money laundering and is very much engaged with OECD and other agencies in trying to help reduce money laundering. There was a time when capital flight out of Russia was a major source of money laundering around the world. That's been reduced significantly.