You're right. In Canada, there are suspicious transaction reports. The SARs are in the U.S.
I believe it's a combination of both. It's not necessarily that we have an explosion of criminality. [Technical difficulty—Editor] and better at identifying predicate crimes associated with money laundering and/or terrorist financing.
It's the quality of those reports [Technical difficulty—Editor] us to do our job to meet our threshold and provide actionable intelligence to our law enforcement and national security agencies, both in Canada and internationally. As I mentioned, we do have 109 or 110 MOUs with international FIUs that we can share information with.