Other industries do work on that cold-calling model. I used to be a cold-caller myself. In a previous career, I would just go through the phone book and phone people. I'd still probably do it in this career, but in a different way and hopefully not too soon.
I want to be frank with you folks who are here today. I'm in favour of what's in this bill. I'm in favour of reduction, and I think I've heard generally that you're in favour of reduction. I think there has been a bit of overstatement that if Mike Wallace refers you to my financial agent, I have to keep track of that referral. I think we're stretching it a little on that.
I have two other questions that relate somewhat to that.
I think Joanne made the comment that the penalties were kind of stiff. It's up to a maximum of $1 million and up to a maximum of $10 million. If those aren't the right maximums, what are you recommending?