Certainly.
As you know, regulations are set forth by the government. This is no surprise to you. Financial institutions are left to implement processes. Once legislation came in, they all built up their anti-money-laundering, anti-terrorist-financing units piecemeal, as things came through. The experience of financial institutions is one of receiving direction or regulations, making them fit within their risk management frameworks and implementing this process by creating intelligence from the teller counter or from algorithms and feeding that into the financial intelligence unit, and sending it to FINTRAC. All those along that chain feel as though they're putting this information forward, but they have no real sense of whether that information is actually useful or valuable.