I can take that even a step further.
Prior to my appointment as public guardian and trustee, I was director of enforcement for the Manitoba Securities Commission for about 12 years. The trends you have seen over the last two generations are people becoming more involved in their financial management. It's not just simply savings accounts and bank accounts anymore. You have people who are investing in mutual funds and other investment products. You have a more complicated landscape out there, which, if you take the negative view, probably leads to more opportunities for abuse of an individual, for example, if an individual is trying to manage money in different ways than they have in the past.
The other thing—and we were briefly talking about it before we came in—is the change, particularly in the banking industry to electronic banking, Internet banking. There is a move away from direct physical contact at a branch, which you would have seen a generation or two ago. That also creates a complexity in the situation that you're not going to have.... Whereas 20 years ago you'd have your local branch manger, whom you probably saw every couple of weeks just because you would be visiting your branch, that sort of contact isn't there anymore.
As we go further and further, with younger generations it's going to even become more pronounced. That doesn't change the need for this legislation, the need for the reporting. I think it's going to force us to adapt to those situations in our various roles to try to figure out ways that we can still identify potential abuse and report it under these new ways of delivering the service.