This really gets to the reason often given for why prosecution for mortgage fraud, prosecution for money laundering through real estate, seems to happen so seldomly that the enforcement agencies don't have the expertise to prosecute. When investigative authorities on the professional conduct side hand over a professional investigation to law enforcement, there's still no prosecution.
I am actually interested to know how frequently you are called upon on real estate fraud.
With the few moments that I have left, for Mr. Therrien, you talked about the over-reporting to FINTRAC. What causes over-reporting? Is this staff in financial institutions who are being trained to be too assertive and too aggressive? What leads to the over-reporting that you've identified?