Mr. Wim Verbraeken:

As we clarified in our appearance before the committee in February of this year, we closed off all discussions with the Central Bank on cohorts, on groupings, of customers who went through a similar customer journey. Since February, there has not been any change in that position. We believe that all major cohorts of customers that had been impacted as a group have been identified. As I said in my statement, we continue to work on quality assurance and to do a level of sampling to validate our methodology. We also have the appeals process and a complaints process. There are cases that could emanate from that process.