I would say it isn't the same regime in Canada. However, there is a similar set of objectives and pressures.
First of all, on the question of de-banking individuals, there are essentially two important questions. One is the social aspect of not having people removed from access to banking for any number of social reasons. There's also the security aspect of not pushing people essentially into the shadows to the extent that they move further away from the formal banking system, which brings its own set of risks. We very much want to get that balance right and avoid de-banking people who absolutely should have access to the banking system.
Part of that goes to being ever more specific and rigorous in terms of what constitutes suspicious transactions and achieving that burden of proof. That's very much the case.
On the second portion of your question, which speaks to how we can work with the different institutions, I'll turn to Maxime.