I'm going to interrupt you for a minute.
You speak about compliance. That's a voluntary act. Criminals will not voluntarily follow the rules.
I think there are some extra things we can do. From your position, from your vantage point as the banking industry in Canada, there have to be more things that could be considered in Bill C-12 to prevent more exploitation occurring.
That's really what I'm asking, if I didn't make it clear the first time. What other things can we really focus on that aren't addressed in your opening remarks or in Bill C-12 currently?