It varies in the different kinds of effects. I would be willing to say that U.S. sanctions and enforcement actions are quite significant. Probably the U.S. has more enforcement actions than any other country. It's the billion-dollar penalties that a number of banks have been subject to. It's millions and billions of dollars in penalties that have driven this de-risking phenomenon because of the risk of inadvertent violations or being fined, and the reputational risks to their names. A lot of banks are turning down business and just saying, “We're not going to....” Some banks...there's one I know of that has said it will not do business in Africa anymore because of the risks.
There are a variety of risks. There are export control violations, and the standards for imprisonment or for fines are quite significant. In any number of specific legislations, the fines have been increasing. I don't have the statistics right in front of me, but I'd be happy to provide them. There are a number of enforcement actions in the U.S.
The European countries have had a number of enforcement actions, as well, but I would say that Canada, the U.S., and some of the European countries have the most.