Basel II is a big initiative, and it has a major impact on the biggest financial institutions. Its impact on the small and medium-sized financial institutions is pretty tiny, because Basel II deliberately allows simpler versions for smaller and mid-size institutions, which are essentially very similar to what they're doing today. In our discussion with smaller and mid-size institutions, there has really been no compliance issue in moving from Basel I to Basel II.
For major institutions, there are big investments being made--and appropriately for complex institutions, because they are complex. In many cases, those investments are enhancing their risk measurement and risk management capabilities a lot, and I think that's a good thing for financial stability.