The first thing, Mr. Chair, is that we were taken to court long before we imposed the penalty on Manulife. The situation with Manulife and the fact that we did not name the organization has not necessarily incited other entities to take us to court. We were taken to court long before that. The first time we were taken to court was in 2009, so the idea of taking FINTRAC to court and trying to have the proceedings sealed dates from long before what happened with Manulife.
The second thing is that we look at each case on its own merit, so it's not as if the results of an exam of bank A would be the same as the results of an exam of bank B. What are the violations, in what context were they carried out, is the regime solid, and is the lack of reporting a demonstration or a manifestation that the overall regime is weak? All these things are taken into account before we say it's $1 million or $2 million, or $2 million or five dollars for that matter.