I wanted to get that strongly on the record. Thank you for that.
Mr. Barutciski, you said something that really caught my attention and resonated with my own experience in industry. You talked about checklist compliance. It immediately struck me that this is the approach that actually makes it easy for a criminal to game the system—by understanding how checklist compliance works—but creates difficulties and confusion, perhaps, for industry practitioners with regard to really understanding what their role is. If you're just ticking boxes, it really takes more of an intangible nose to sense a rotten transaction.
Real estate and mortgages are where my experience is. I was told, in my time, that perhaps as much as 60% of all of the proceeds of all of the crime in Canada is laundered through real estate transactions. I'll let you comment on any of that.