Ms Yvonne Harris:

I thank the Senator. I have seen that as an anomaly and I have experienced customers coming to us and challenging us about it. I do not know if there is engagement with the regulator but it is certainly something we will take away and, at the minimum, begin a discussion. It may require that we would wait until the next review of our model but it is certainly something we can bring into those discussions, similar to the items we are talking about with the CIF. It is an anomaly.