Mr. Chairman, we do not have a government one. What happened at the time of the last legislative package was that from a policy point of view, the administration at the time responded to the industry in terms of the industry setting up their own self-reporting, self-regulatory ombuds network. That's what's in place today with banks, insurance companies, and others.
Quite frankly, we work very well with them from the standpoint of our call centres. If I were back in the private sector, my call centre would be flipping the calls in 30- to 60-second turnovers in sales. But when you are responding to individuals with a problem or an issue from around the country, it's about a two- to three-minute function.
We are determined...and so far it's been very successful. We go out and do customer satisfaction tests. We have been able to get that consumer to where they need to be. Often it's a straight redress issue, not a legislative regulatory issue--i.e., “I think they're off $20 on this, and they don't think they are.” We get them into the ombuds network, where a lot of that gets resolved.