Gary Shinkaruk and I had a conversation about this yesterday, as a matter of fact. One of the things we're facing in today's complex criminal world is that these individuals are very, very ably advised by professionals and people who have subject matter knowledge in various criminal enterprises or various enterprises. We talked about risk assessment, and they're doing that all the time. Whether you're a money launderer and deciding whether you're going to open a bank account in jurisdiction A using a corporation from jurisdiction B because there are various levels of secrecy, or whether you have identified a weakness in a particular province's laws with respect to how mortgages are granted, or whatever the case may be, this is always ongoing.
There is a general awareness that when they see an opportunity to make a lot of money, they sit back and say, “Well, how likely am I to go to jail?” and if the chances are they're not—which regrettably is quite frequent—then they'll exploit that opportunity.
So where it is coming next? Financial crime is always a big issue. I think it's dramatically understated in this country. I think we need to do a lot more. I touched on some of the issues we deal with, but I don't think financial crime is adequately reported in this country. And if we truly understood the damage to our economy that this type of criminal activity is wreaking, I think we would probably be as upset about that as we are about a number of other criminal enterprises.