there was a provision in a thing called the heyer act passed two years ago called faca, foreign accounts transactions compliance act. all banks, domestic and foreign, are supposed to comply with it. the thing is impossible. let me give you an example of just impossible regulation. we could spend four hours on regulation but you're head of a bank in luxembourg or austria or switzerland or sweden, i don't care where. somebody walks in and say bob walks in, he says my name is bob, i'm greek, here's my greek passport and i have a furniture business in athens. there's no reason to believe he's not greek. he could pass as greek, right? anyway, and he shows he's got this business. so they think he's greek, they open an account. on the other hand, he also has an american green card or american citizenship and lives here in colorado. how's the bank supposed to know this? in a world where millions and millions of people have dual citizenships, multiple green cards and things, it's impossible because it's not just the citizenship, it's whether you're a u.s. tax person. you can't know these things.