Mr. Speaker, restitution is a very important part of this bill. Community impact statements are also a very positive part of this bill.
What happened in the Southern Baptist Ponzi scheme and a similar type of scheme in the northern United States is when the house of cards fell down, as my friend, the member for Windsor—Tecumseh points out, is that the early investors got big returns from what they invested and were forced to pay back their gains even though they were innocents in the scheme.
In the Southern Baptist situation, the victims recouped 40% to 50% of what they lost in the scheme only because the authorities were able to go back to all of the participants and demand repayment. People who benefited as part of the scheme were forced to return their ill-gotten gains and they were happy to do it. They distributed the gains among the people who lost money in the end and the victims were reasonably happy. They still lost half of what they put in but at least they got something back. That is why the American system, in one way, is a better system than we have.