Individual Client Identification – Zolo Canada

What types of ID may be used to identify a client?
Under the Photo ID Method, what should I insert for “Jurisdiction” and “Country” when the client provides federal documentation (for example, a passport)?
Under the Dual Process Method can you explain when I would insert a reference number and provide an example of a reference number?
Under the Dual Process Method, can you provide examples of the types of documents or information that could be used to verify a name and financial account?
Under the Dual Process Method, when confirming a financial account, can you provide examples of the difference between a “Source” and “Financial Account Type”?
Can an expired passport or expired driver’s licence be used for FINTRAC purposes?
If a couple are co-purchasing a property, and both names will be on title, do you need to ID both persons?
If a client refuses to disclose his/her personal information for the Individual Identification Information Record, can you simply get the client to strike off that part of the form and initial it?
If you are representing a client, and the client is a REALTOR® member, may he/she ID themselves?