What this bill requires is that the financial institution must then have regard for everyone in that chain of selling their products to the market. What that really means is that the difficulty around managing these relationships—and if you were a large bank, you might have many, many relations, and many, many intermediaries. They might be in the tens, dozens, 50 or so, maybe 100—I don't know—and because you've got third parties beyond that, the difficulty of practically managing that is a really significant issue. So that is one of the things, the practicality of doing that.