Honestly, I haven't studied it, so I can't say that.
I can say that we've probably been criticized enough at this point. It's probably evident enough that we don't have a whole lot, at least in terms of the criminal prosecution enforcement side, and that it is not happening.
To answer that, one of the things I worry about is that a lot of the “enforcement”, as I alluded to earlier, is being done by the big banks but also smaller institutions with less capacity to do so. That's downloading a lot onto the private sector, including the cost to ensure compliance. That's understandable, but it has to be met by a government commitment to do that same level of enforcement that we're demanding from the private sector, which we're lucky to have in Canada, as they are good actors.