Yes, I suspect this is a real threat that we will be facing, if we don't already face it.
My second question is about the Bank of Canada. What's the rationale for having the Bank of Canada be the supervisor and the compliance mechanism under this act? I've never considered the Bank of Canada to be a heavy—to be the organization, the institution, that comes down hard when required. Is there a reason the Bank of Canada was chosen and not the Ministry of Finance?