I would just add that as we look at Bill C-12, I think there are provisions in there that look to help identify individuals involved in the Canadian AML regime from a financial perspective. Those provisions will help identify them so that FINTRAC can properly supervise them.
There are amendments in here asking for greater supervision and assurance that FINTRAC is getting the information it needs to be able to ensure compliance with the AML laws and regulations. Then there are suggested technical amendments for the requisite penalties to be in place for those who are going to be egregious about not complying with those requirements. From that perspective, that's why we're very supportive of what's contained here within Bill C-12, with the right technical amendments so we don't have the unintended impact.
All of that should help to strengthen the risks you're identifying through the typology of the Vancouver model or other money-laundering typologies.
The stronger identification and supervision of the players within the market and assurance that the information they're providing is accurate and meaningful can only help strengthen the regime.