I'm sorry to cut you off, but I do have limited time.
The concern that I'm trying to express is that even if there are minor deficiencies that add up to significant deficiencies, the public report that was tabled implies that compliance is great, that banks are doing well, and there are no concerns. If there are several deficiencies, even if they're minor, shouldn't this committee be told at some point that there's an area, although minor, that banks are having trouble with? Why does one public report demonstrate one thing, and an internal report that had to be accessed through the media and through freedom of information paint a different story? At the very same time, this committee is going through this review, including an in camera meeting with FINTRAC officials where any privacy issues could have been raised.
I understand that you don't release the findings, but if you have, for example, a 75% non-compliance rate in the real estate sector, at what point should that be raised with this committee as an area of concern that our review should look at?