The only comment I would offer is that administrative monetary penalties are well established. Now at least there's case law that recognizes and confirms that they're administrative in nature and not criminal in nature. If they were to be criminal in nature, charter protection would be attached to the process of issuing an AMP.
The notion of deterrence, or dissuasion in French, raises the question—and I'm not sure I have an answer to give—as to whether we're moving from an administrative to a criminal situation, which is something we should not be doing. I don't have a firm answer. I'm not sure I'm there yet.