One of the other things that was concerning to me in my general conversations.... The one benefit of politics is that you get to meet a lot people. A lot of people talk to you. A lot of people in your industry talk to us, and they mention a few stories. I've heard on more than one occasion that an employee at one of the big six banks committed fraud in terms of using customers' lines of credit and putting the money back before anybody could recognize it, and then taking it from another customer and putting it back.
It was caught on a rounding error, funnily enough, probably by somebody like my grandma who knows exactly what her balance is to the penny. They noticed that a penny was missing, and that employee was caught. That is legitimately the definition of fraud in the Criminal Code of Canada.
All that happened to that employee was that he was in breach of one of your codes of conduct, and he was let go. It was never public information, and it was never reported to the authorities. Is that the standard practice when you uncover fraud in your banks?