Mr. Ed Sibley:

A range of inspection teams operate across the bank. In terms of banking supervision, from a prudential perspective, there are approximately 45 inspectors today. Other inspectors work in the area of consumer protection. We have also dedicated additional resources to going into the banks because of the nature of the tracker mortgage examination and the need to go to the institutions to make sure they are delivering as we expect. That has been supplemented by third-party checks commissioned by the banks under the instruction of the Central Bank and third-party checks we carry out ourselves. It is hard to give a precise number of investigators. There are scores of full-time equivalents that are inspecting banks on a regular basis.