Thank you, Chair.
I do want to say that with the last time FINTRAC was here, and this time too, of course, I learn more all the time. It's certainly reassuring that there are organizations like FINTRAC. It's appreciated. Even mentioning the human trafficking relevant to what you do is most beneficial.
I certainly don't know how you deal with the flood of misinformation and disinformation that we've seen over the past few weeks, but I'm going to go back to what may be more of a local issue when you're dealing with financial institutions such as a credit union or something like that.
What are the weaknesses of those institutions, I guess, that could have consequences for you as you're trying to do your job? What changes would you like to see in those institutions for betterment in your doing your job?