Thank you all for being here.
I'm going to start with the Canadian Bankers Association. You mentioned the potential for PIPEDA changes and sharing of information between financial institutions. I can certainly see why you raised that. Would FINTRAC not contact...? For example, let's say they had a report from one institution and they could trace funds between one institution and another that may have shown up somewhere, would they not contact the other institution to make sure that they were at least aware that this has been flagged?