It's a combination of things. We found reports that don't meet thresholds, so they were underneath the financial thresholds, or which didn't meet thresholds about suspicion—that type of threshold as well.
The point is that if institutions are over-reporting to FINTRAC, then they should not be retaining that data. They have implemented measures to screen reports with validation rules, but there's still information getting into its databases that doesn't meet the threshold. We would hope that it would not get into the databases in the first place.
The provision that the commissioner is referring to only imposes an obligation for them to dispose of information that they come across in their normal course of business. We're suggesting something more proactive than that.