Thank you, Chair.
This has been a very good meeting this morning, and thank you for all your commentary thus far.
I do wish to ask, considering the severity of the transactions and the information technology out there, if we can do a better job. This is also going to Mr. Albas' comment on the transactional burden on entities, especially smaller ones, credit unions and so forth. I think we're getting to a point where bigger is always better, or if it's not that bigger is always better, it's that only bigger that can handle the administrative burden. We're not going to get those small banks that are founded at one time and can grow into larger institutions, or smaller credit unions that can grow into large institutions. I wanted to get some colour on that front. With the information technology out there—going to Mr. Grewal's comment that a $10,000 transaction can indicate a much more severe “washing”, or whatever term you want to use, than a million-dollar transaction—is it possible to get to a point where businesses will have less of a burden and the system will be more efficient?