Finance committee  Maybe I can help bring some clarity to that, especially with the credit unions. They are a big centre in the regime. When we do look at a fine, it starts with a compliance examination. As I said before, we have a risk model that selects entities for a compliance exam to see if

Finance committee  Well, I haven't heard of that. We look at a sample, as I said. It wouldn't be all transactions. Usually we look at a six-month period. We'll do a sample of a hundred large cash or bank deposits, or whatever. Our program itself works on instances, so it will look at each instance

Finance committee  Yes, I will. I just want to add to the very good question, and we're with you. We're trying to screen the regime program. The review is ongoing because what the court has said is about the calculation of the penalty. As you said, the authority is there, but the calculation is by