Thanks. I'm also a former small business operator and I'm concerned, every time we put a regulation in place, about all of the burden that also puts on small business. I had an example from a realtor yesterday. He emailed me and talked about the FINTRAC program and how the extra paperwork is burdensome. From your experience in banking, and from FINTRAC, does that help, or is it just more of a perspective to look like we're doing something to try to control the terrorism? He's just saying it's a waste of time and money and he can still usually illegally proceed without any signature. It's just a facade.
