Mr. Paul Joyce:

I will make a brief comment on the existing limitation period. There is a view that it has been interpreted narrowly. A consumer is not entitled to make a complaint where the conduct complained of occurred more than six years before. This has been interpreted to mean more than six years from the date the product or service was purchased or received by the consumer. There is an argument that in an instance such as the one being described, where there is collusion and a financial adviser is being paid from both sides, that the conduct is ongoing and that the consumer has a right to complain about it.