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 seldom. The enforcement agencies don't have the expertise to prosecute, and when other investigative authorities on the professional conduct side hand over a professional investigation to law enforcement, there's still no prosecution.
I am interested to know how frequently you are called upon on real estate fraud.
With the few moments that I have left, Mr. Therrien, you talked about the over-reporting to FINTRAC. What causes over-reporting? Is it 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?