Mr. Bernard Sheridan:

It is a good question. Again, it is one of the issues we identified early on in this examination and we have worked closely with the ombudsman on this. He provided us with an analysis of the complaints that his office had looked at over the years, and it was clear that a large number of complaints were upheld in favour of the bank. Our concern has been that this examination has a broad scope, as I said earlier, in that it is contractual, regulatory transparency and influencing factors, and all of those elements would not necessarily have been considered in previous complaints as such. We have worked with the ombudsman and engaged with all of the relevant lenders to make sure all of those cases are being included in this examination.