If it's a high-risk individual, we have centralized enhanced due diligence groups in Canada and in the United States, as well as in other locations, such as the U.K. We try as best we can to have a global view of our customers, but it's not always possible, for reasons that have already been stated, such as privacy considerations and things like that. Because of the way we're structured, we do have a money-laundering reporting officer in each of the jurisdictions. Through our governance structure, we have regular meetings and we discuss high-risk activities, high-risk customers, and suspicious activities.
If we do identify activity that we think is tax evasion, which I will tell you is very difficult to detect, we certainly file in the appropriate jurisdiction a report with the authorities. If it's something like terrorist financing, and it's imminent, and we think it really does pose a threat to us or to the citizenry, we certainly contact law enforcement directly.