Our indicators look at the regulatory systems in existing institutions and at a set of potential penalties. They don't look at the day‑to‑day reality within a country—well, the indicators in my department don't. Regardless of the institutions and existing regulations, the fact is that there are scandals or issues in real life. We that see in all countries, including Canada and countries that are very successful when it comes to regulation.
It's therefore hard to conceive—at least that's our perspective—of a system where issues don't arise in real life. The important thing is to have penalties for such issues, to learn from the issue, to look at emerging risks, and to ensure systems are up to date.