 So now these regulations are happening everywhere. If you want to open a new restaurant, you want to start your own fund, you have to deal with the phalanx of new regulations now. You spoke about my experience in the fund management industry. I know for a fact that the cost of setting up a new fund management operation today, for a fact, is 10 times larger than it was 20 years ago because you have to comply with new regulations and other things. Now, who benefits from all this?