That's a great question.
It is challenging for us to take action against foreign people who are accessing Canadians from abroad. That's one of the reasons we work very closely and have memorandums of understanding with European and American regulators and regulators in Asia and Australia. We work closely with them in order to share information and to try to identify people who are outside our country, and then they can be prosecuted in their country.
I would say that the reality is that, as we've heard from other people, in some ways detection, prevention and disruption at the front end by working through.... The way that fraudsters are accessing Canadians is through the Internet. It's through technology providers. This kind of thinking around what the federal government can do in terms of legislation, in terms of thinking about interventions at that level and being able to access actors in this country—