Mr. Ed Sibley:

To be clear, in one particular case there was an ongoing court case where, and this is in the public domain, the bank took an action to dispute the issue legally. We had to let that run its course to a degree before we could intervene with that particular bank on this particular issue. That does not mean we have not been intervening on this issue and engaging with the banks and driving them to prevent the problem back as far as 2009 and 2010 if not before. As well as that, we have, since the review commenced, been making sure the issue is addressed, put to bed and that the harm done to consumers is addressed.