I'll maybe answer more from a TD perspective. To my earlier opening comments about the responsibility to detect and deter, having a lot of these procedures and processes in place has a deterrent effect of keeping the bad guys out of our financial system. We also then do further monitoring and risk assessment of the ones who are in the system, to identify them to FINTRAC and hopefully get them out of our system and dealt with by law enforcement,
To the extent that brings a compliance burden on us as a bank, we do look for opportunities to make sure that what is coming to us from the government, from a regulatory or guidance perspective, works in practical terms with how banking works. We have dialogue with the Department of Finance, with FINTRAC, with OSFI, in these regards. To the extent that is working, I think we've had a good relationship in that regard. Can we always do better? Of course we can, and we continue to have those dialogues.
I wouldn't say that it's an overly burdensome concern for us, but we're always looking for opportunities to make sure it's efficient and effective.