I find it quite refreshing and I am quite pleased that your organization is talking about the desirability of sharing information for the purpose of combatting financial crime. There is a perception in the industy that your membership is not keen on sharing information and that even when a bank is the victim of financial crime, of fraud, its tendency is to keep it inside and not to allow it to be known or to share information with other bodies for the purpose of coordinating efforts to prevent crime. I think it's important that financial institutions do co-operate for that purpose.
I probably have only a minute or so left in this round. Maybe we'll return to this, but I'll switch it a bit and quickly ask Mr. Hill about the processes that he referred to.
You talked about training and updating to meet changes to PIPEDA. How onerous do you think it will be to react to the new changes, for the mandatory reporting and whatnot? Is this going to be an onerous effort or not?