Because if an institution is going to suffer that sort of penalty for getting it wrong, they're going to make sure they don't get it wrong. If they're going to suffer that sort of potential penalty, if one or more of their employees or intermediaries takes actions for personal gain ahead of the interests of the customer, which I'd argue are also actually the long-term interests of the business, then they're going to make sure that they've got the management and process oversight to make sure it doesn't happen.