Okay.
Jim, just before we go on, because the credit unions were on the table—and I too hear the complaint that Dan has talked about—whether it's a case of reporting to FINTRAC or of the paper burden that will be required under these measures, one difficulty for the credit unions is that the big banks have an administrative structure that looks after all that. In the case of the credit unions and individual credit unions—Malpeque Bay in my riding, which is not very big—the administrative burden on the operation to do that paperwork for this area and for FINTRAC is proportionally much higher. It really is. It's a real burden, because they're a small operation.
Do you see any way of addressing that? In my view, it's a legitimate complaint by credit unions. I don't know how we can deal with it. We have to do these things because we're a global player and we have international agreements, but I think we have to recognize as well that the burden on a small credit union that may have 10 employees to do all this administrative work, plus satisfy FINTRAC, is a huge proportional cost to them versus what it may be for the Royal Bank of Canada.
I think we're on the same wavelength. Do you see any way of reducing that burden on those credit unions?