Okay. Thank you.
To the credit union, you mentioned the $100,000 penalty for non-compliance. As with in the Criminal Code, if there's a crime, a criminal offence, there are maximums. Rarely are there minimums, but in some cases there are. In this case, it's a maximum that could be fined, a penalty, and it would be up to the commissioner to decide whether or not that is appropriate. So the commissioner has the discretion to provide an appropriate penalty, but $100,000 would be the maximum.
Do you have a similar understanding?