Oh dear, I have four minutes. Okay.
Ms. Stephens, I was reading your submission and I had a couple of questions. I'll give them to you quickly, and maybe you can roll them all into one.
You talk about Bill C-97 allowing for more investigations and prosecutions of laundering offences. And you talk about the professional money launderers being able to distance themselves. Can you maybe explain a little bit about what that means? That's my first question.
The second thing was that you talked about adopting a more risk-based approach to the regime, and reporting entities to focus on risk typologies and customers who demonstrate significant risks. What I think you mean is ability for you as banks to identify, based on risk criteria, who could be at risk.
Could you speak to those two issues?