Mr. Richie Boucher:

If I can mention the process again, if the customer is not happy with our decision, it must go to a separate process. The bank must get all the documents, look at it again and there is a separate process in the bank. I accept it is the bank. However, we must retain all the files, all the decision-making process and the Central Bank from time to time audits that decision-making process. We have a documentary trail which shows the original SFS, the original process and the original decision as to whether it was deemed sustainable or not. If the customer is not happy, it goes to a separate committee of the bank which is completely separate from the original decision makers. We must also retain all of the files for an audit on behalf of the Central Bank by third parties to examine whether we have been consistently applying that process.