Mr. Wim Verbraeken:

Yes. More than 40 such cases were brought to the Financial Services Ombudsman, FSO. In all but two cases, the bank's position was upheld at the time by the ombudsman, who indicated that the documentation we used was clear and unambiguous, that the bank had not failed in its duty to bring key features to the attention of the customer, and that the bank did not disguise important information. That was found at the time. Today we have found differently and we now consider that cohort to have been impacted.