Thank you very much.
The other thing I would suggest, which is of value, is that we need to look at biometric software. One requirement under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act is identification and often that is not face to face.
I've made a submission that we need to look at using even such things as Skype, with which you can look at the individual. There are biometrics out there now that can compare a passport with the individual in front; they compare the two photos. That also is something we need to look at on our borders. Biometrics and facial recognition software would serve us all well.
The last point I would make is about white-label ATMs. I have raised it a number of times; there seems to be a belief that they're properly captured and they're not a risk. I strongly suggest to this committee that white-label ATMs need to be brought under the regime.
Thank you very much.