When you talk about changes over time, I think from FINTRAC's perspective we see changes related to the methods that are used to launder money. Very much we see that having a sophisticated financial sector, as we have in Canada, allows for plenty of opportunity to try to integrate and commingle funds into our financial system. We are seeing, though, the rise of the use of Internet payment providers to facilitate the flow of funds. We're seeing over-complicated use of funds. We're seeing more use of shell companies. When I say “over-complicated use of funds”, I mean more movement of funds to effect a transaction than you would normally have seen in the past.
There are certainly still the elements of what we would say is “smurfing”, or bringing cash into the system physically, and what we would call placement in the money-laundering world. Certainly we are also seeing much more evidence of layering and integration, which simply refers to the number of transactions used to move money into or out of the country, or between entities in a criminal network.
That's a very high-level answer, but I think we are seeing evolving trends, and they are things we've identified in our work.