you probably have heard of jason sharman, who just published a study where he tried to very quickly do a database of several thousand -- opening several thousand corporate accounts around the world. he discovered, his conclusion, that the united states was one of the easiest places to open shell companies. he pointed to states like delaware, wyoming, where 2,000 shell companies, i existed in o house alone. my question to you is we love to point the finger at a lot of nations around the world. what can we do about tightening some of the standards that make it so difficult to not only set up the companies but move funds in and out of them over here. >> no disrespect to mr. sharman. i'm not familiar with his study. your point is well taken. and the u.s. has been in our fad of mutual evaluation -- we are supportive of legislative initiatives that are moving through congress. senator levin has a bill, for instance, that would require the identification of beneficial ownership during the company formation process. we're also working -- we've issued an advanced notice of proposed rule making