I would just add that the other thing is that a lot of visibility is brought when there's a commissioner's decision. For instance, in 2022, there were complaints against CIBC from consumers that they were not being made whole, and the commissioner leveraged a monetary penalty of $6.5 million against CIBC. All of the customers were then reimbursed. That was supervised and also enforced by FCAC.
The gradual escalation of these things.... Obviously, it's in the best interest of everybody if things get resolved long before we go to a monetary penalty. The visibility becomes obvious when the commissioner does levy a fine. However, before that, there's a lot of remediation that takes place to make people whole.