Senator Wallin: The remedies you suggest assume you have resources, which is the problem if your resources are frozen or you don’t have access to them.

The other concern I have is that banks, in an attempt to comply with this legislation — which is both extraordinary and not detailed yet because we have to learn from experience — will have to overreact in order to protect themselves so they are not seen to be exempting someone from this law or not taking tough enough measures. We have seen in many other cases that people overcompensate when the law is unclear. What strategy do you have to combat that?