Okay.
When someone becomes a member of a credit union, obviously, I figure that a lot of your members who do business with you do so for an exceedingly long time. The same goes for a lot of Canadians who stay at the bank they get when they're 18 or 16. It's typically the bank they stay with for the rest of their lives.
You obviously know quite a bit of information on your clients. You already know where you have problems. You don't have people just randomly walking in to open an account with you.
You already know so much about your client, but then FINTRAC makes you track more information about your client given the compliance related to it. Do you know how much it costs you, per client? Have you ever done an assessment or a cost analysis of how much extra it costs you to try to comply with all these rules for people you really trust and know, because they're members of yours?