Mr. Jeremy Masding:

I am comfortable that we provided all the information from the bank's side. I am comfortable with the fact that it is independent as a panel. I am also comfortable that if we look at the processes we go through and if the customer provides new information, then those panels absolutely retain their objectivity and, most important, understand the level of customer detriment that was caused as well as the bank's duty to make that right as well as it can.