Mr. Justice John Hedigan:

I do not see any problem with that. We are not a complaints or disciplinary body or a regulator. We are going to be small because I believe that is the best way to be effective. When we are sent details from a particular person of a complaint against the banks, we have a protocol worked out and we have a liaison name in the case of each bank. We pass that complaint on to that particular person and we ask the member of the board from the bank in question to come back to us at some stage to let us know what has actually happened here. We then notify the person who has complained that this is what we have done. Is there any other aspect of this that we need to know about?