I would add, though, that the government's recent national risk assessment on money laundering, which the CBA participated in by providing input and feedback, is probably a good guide as to where the vulnerabilities are within Canada's AML regime, from a money-laundering perspective. That, for us, is something we incorporate within our own institution's risk assessments that we undertake across the enterprise, as well as when we're looking at our various clients, to help determine the right mitigation controls that we need to put in place to comply with the law as well as to prevent money laundering and terrorist financing here in Canada. I think that is the appropriate document to look at, to see where there may be further opportunities to strengthen Canada's AML regime against the vulnerabilities that have been highlighted in the national risk assessment.
