I'm happy to offer thoughts, but please feel free, Minister, to supplement.
We think about these things in every piece of legislation: When is it best to put something in legislation rather than in regulatory authorities?
One of my preoccupations with the strategy that we want to put together to fight financial crime is about how quickly it's changing. If we seek with too great a degree of specificity to enumerate the specific types of crimes or activities that could be considered serious and complex or to be financial crime versus some other kind of crime, we run the risk of casting the net too narrowly. That avoids the opportunity to more effectively combat new and emerging threats that we may not be able to imagine today. Investing in the commissioner or in any piece of legislation—in an individual or organization that will have regulatory discretion to make changes to how they define terms—is going to future-proof, in some ways, the strategy that we're adopting today to deal with crimes that may not be widespread but may be major threats tomorrow.