We have a disproportionate amount of telemarketing fraud, and again it mirrors economic realities. We have the technology where someone in Toronto can phone senior citizens in Florida or California. We have our laws on commercial crime, and Robert can probably address this better than I. Our laws and punishment of commercial crime are considerably lax compared to those in the United States. So what would get you maybe a couple of years in prison in Canada would get you 10 or 15 years in the United States.
Again, you have a concentration of crime groups in Toronto and Montreal, which are the epicentres of telemarketing fraud, and again it's historically based as well. We had telemarketing fraud in the 1950s. We had what were called securities “boiler rooms”. Canada was known as the “moose pasture” securities industry. We had all these boiler room operations, some connected to the Italian Mafia, that were targeting seniors in the United States in the 1950s.