Mr. Bernard Sheridan:

It is a good question. Obviously, the scope of this goes back a long way and, as such, there are data issues. From our perspective, we have made it clear to lenders that if there is any issue in terms of lack of documentation and nothing to back up their position, then it needs to go in favour of the consumer. The other issue is lenders' ability and willingness to share that information with consumers, and also to consider that in the context of the examination. We have required independent oversight to oversee what lenders are doing. We are also carrying out assurance work, particularly in the area where lenders are concluding that borrowers might have been in scope but not impacted upon. That will be an ongoing focus for us.