Speed is absolutely crucial. I talked about there being a window—let's say an e-transfer or some kind of money transfer—before that gets completely settled. At the same time, there are times when certain transactions have already been settled, so they can't be recovered.
What I've seen in the last couple of years are discussions between banks and telecommunication companies on how to share that data to reduce further victimization, and then there was the stand-up of the Canadian anti-scam coalition, which we are a member of. It's a great initiative bringing all of these parties together to figure out holistic ways to either share information or tackle this problem.