Mr. Bernard Sheridan:

As the lenders are essentially looking at themselves and, as the Governor said earlier, their approach to the interpretation of contractual documentation and transparency, we felt there needed to be somebody in the room who was not involved in the sale of any of these mortgages or in the documentation and who is coming from a consumer perspective. That can include somebody coming from a compliance area or somebody from outside who has got consumer experience. It can range across institutions. There is no one determinant as to who that person will be. It has varied across the institutions.