I have a comment on that last point in terms of working with them to get better compliance and on the questions raised by both of the last two questioners.
In what we will get, say, from a small credit union that only has six employees versus a bank in the next city that has a whole department almost, there is a huge difference in the burden to fill out the information for FINTRAC. How do you work with them? Is it a matter of a phone call? Is it a matter of sending some people in to talk to the institution to help? What's that relationship like when it comes to, say, working with a small institution in a rural area? How do you do that? Is it a paper trail? Is it a phone call? Is it a visit? How do you develop that relationship?