I don't know the specific answer to your question.
What I would say is that the institutions usually want to comply. Having a regulator that is helpful and of assistance in providing direction to the institutions is more useful. I think right now the institutions—
Another source of frustration would be that it's very difficult at times to get clear direction from the regulator. First, you're not sure which regulator is in charge, and second, certainly in terms of FINTRAC, they are not that approachable in giving assistance to the industry, particularly the smaller institutions. Undoubtedly, that has some effect on the ultimate strength of the regime if the institutions themselves are uncertain as to what precisely they're being asked to do.