Our view would be that the definition of fraud as used there is limiting, in that we are dealing with crimes. In that circumstance, it's to prevent, suppress, and detect fraud, so our interpretation is that it's fraud as defined in the Criminal Code of Canada, which is why we are looking for an expansion to include financial crime.
Really, what the banks are focused on—and other organizations that are able to use this exception—is to combat crime. That's what our focus is.