I want to add, on the Western Union point, that fully half of all the suspicious transactions reported in Canada each year come from Western Union. Fully half of 80,000 suspicious transaction reports come from them. The average dollar value of those transactions is $300.
I don't give much credence to the argument that terrorist financing is of low dollar value and that therefore we can't protect against it. Individual acts are very inexpensive—the Madrid bombing cost $10,000—but when you're talking about terrorist financing and its significance, we're talking about maintaining a whole organization. We're talking about the radicalization and the need to run quasi governments.
A harder question to answer than what the difference is between a business transaction and a money-laundering transaction is what a terrorist financing transaction is, since we don't know it's terrorist financing essentially until it's used.