I guess the real issue is what the benchmark is and what other pieces of legislation, whether federal or provincial—for example, securities laws, and so forth—provide in administrative and monetary penalty regimes.
The $200,000 is bringing the Bank Act essentially to the level of other legislation, be it federal or provincial, while $500,000 puts us out of that ballpark. At the end of the day, of course, it's a number. But again, in terms of benchmarks, $200,000 is the norm.