Sure. As I said, Canada is just one country in the global regime. The Financial Action Task Force is the first and foremost authority when it comes to creating standards.
I think other countries have similar challenges to us. Beneficial ownership is an issue that's shared among jurisdictions. The prevalence and development of technology and how that technology is being used to perpetrate crimes are issues as well.
Those issues are not unique to Canada. The federated nature of Canada, as Erin has said, comes with benefits, but also some complications as they relate to the coordination between the federal and provincial regime for law enforcement and the like. However, many of the risks identified in the NIRA that we've spoken about today are common across the globe.