I have a personal example when it comes to regulation. Because we're elected officials, we fall under the PEP legislation.
I recently got engaged, and my fiancée works at a financial institution and made me get a bank account at that financial institution.
We're getting married this summer, and she had to pay a vendor in India, because that's where she bought her traditional outfits, and they were flagged because the transaction was a wire transfer to India. It wasn't a big amount. It was $5,000. She had to answer a bunch of questions on it. She was a little annoyed for having to do that, and she asked me why.
I thought she was flagged as somebody close to a PEP. I felt that was an over-regulation to a certain extent because there's a privacy concern. Where's the balance between stopping anti-terrorism funding and somebody being able to shop for their wedding? I think that covers a huge spectrum.