Barry may provide more detail, but there were basically four things. The first is that given the size of the organization and the maturity of Manulife, we had expected that their compliance framework would be more robust than it was, in terms of policies, training, procedures, reviews of their risk profile more often by senior officials. That was one component.
The second component was that they did not report a suspicious transaction to us on a very specific individual who was well known. Given the fact that they knew the individual was well known, and the fact that they had reported that already to law enforcement agencies both in Canada and in the U.S., that suspicious transaction report from an intelligence standpoint could have been useful to us. They did not report that. They did not report, I don't know how many, but a certain number of large cash transactions of $10,000 and more, and they did not report a certain number of electronic funds transfers in and out of Canada of more than $10,000.
Those were the four main components, main violations, if you wish.