There are some that are out there now that call themselves banks, but I think they are associated through one of the chartered banks.
Anyway, all that aside, the other part is that when we look at the banks, I think almost all of them are also located in other countries. Most of them are in the United States; some are in South America, and some are in Europe. When information gets into a Canadian bank that has affiliates in other countries that may or may not have the same rules for insurance, do you see that as an issue?