Let me give you one example that builds on one of our recommendations, which was the consolidated list. If you're in Europe or if you're in the United States, if you're an individual, if you're an SME, you can go to the government website, and you can click on one link, and you can put the name of the person that you are about to enter into a transaction with, and you can hit “enter”, and much like Google, it will pop up, and it will give you a list telling you whether there's a red flag, and it will let you know whether you need to investigate further.
That does not exist in Canada, so if I have an SME, I have to make a decision about going through all the regulations myself, which is extremely complicated and no one will do, or I risk it, or I try to go out and pay a third party service provider, which is incredibly expensive.
So in my experience, lots of SMEs, particularly in the oil and gas service industry, of which we have so much knowledge that we can offer the world, just sort of shrug their shoulders and say it's just not worth the risk.