Thank you, Monsieur Côté.
I think we do apply a risk-based approach today in Canada. In fact, the guidance from FINTRAC—and FINTRAC is working on additional guidance now on the risk-based approach—and the guidance for Canadian federally regulated financial institutions from the Office of the Superintendent of Financial Institutions advocate a risk-based approach. Also, the work being undertaken now by the finance ministry on Canada's threat assessment is very much about identifying threats and vulnerabilities to augment the risk-based approach.
Can we do better? Perhaps, and I think this is always something in an area that is evolving. I'm very much in favour of greater information sharing and ways of making the regime better, but also of an agility, an ability to react quickly to changing and emerging threats or typologies.