We're relying, in part, on technical solutions. The problem is that they're extremely expensive and, given all the different levels of exceptions and delays, they are almost impossible to manage.
I would like to address your point on disproportionality very quickly. I've had to face many boards at Desjardins, with great arguments to defend that something is not SEM. In those situations, given the number of sanctions and given the personal liability, we've had very strong cases that were completely denied just because they weren't willing to take that amount of risk. It's disproportional.