The term “disruption” comes from the consultation paper, which I believe refers to the Department of Finance's three pillars. I don't think that's a good word to use. I think “disruption” is supposed to be an umbrella for a number of different topics. We're really talking about enforcement, so ideally, the third pillar is enforcement.
When you're talking about enforcement, that means you have to have units of trained specialists. They don't necessarily have to be police officers, but we're talking about law enforcement units. You certainly see this in the United States with the task force approach—task forces dealing with money laundering and so forth. We don't have that now. We did have it. I'm saying it has to be reconstituted.