The reason we signed an agreement with Manulife was to avoid a long court proceeding that might have taken years and would have meant that, at the end of the process, people might not remember why the individual was penalized. Moreover, we would have no control over what the court would decide. As I said before, in the choice between that uncertainty—years before it is known, if it is known—and the deterrent effect, we went for the deterrent effect.
On April 11th, 2017. See this statement in context.