Mr. William Prasifka:

We are here to do our job, which is to adjudicate fairly. It is appropriate that we do that in a transparent, predictable way with the aim of getting the institutions to adjust. As far as I am concerned, that work is never done. There is always going to be dialogue and always room for improvement because there are always new issues arising. Going forward, if we are upholding more and more complaints in regard to the financial institutions and their obligations on the code of conduct on mortgage arrears, that will be a problem. The banks understand that.