Madam Speaker, when we talk about a trade-off, we talk about enforcement more than anything else. If we think about banks, which people often think about when they come to a conclusion about all the disclosure, particularly financial disclosure, they have been under compliance regimes for decades. In effect, when we get down to the ground and the people fulfilling those compliance regimes, we find that it gets watered down to the point where they do not understand those compliance regimes.
Therefore, something that happens at a high bureaucratic level does not necessarily get translated down to the customer level. Getting a real piece of legislation like this down to the level of the clerk and the customer is a monumental task and will not happen overnight.