I agree with you entirely on the fact that in the final analysis, you are making sure that financial institutions respect the rules and the laws. What I am trying to say—and this is not a trick question—is that if there were a department of consumer affairs, there would perhaps be a different set of laws, and consumers would possibly be better protected as a result. What you do, you do well. The banks are complying with legislation, but are the laws strong enough with respect to the rights of financial institutions? That is what I mean.
I will ask you another question. Have you carried out any studies on the types of clients? There are people who are less educated, illiterate, and on low incomes who are being solicited by the banks. Have you conducted any comparative studies on the penetration rates of advertizing campaigns that are targeted to these groups as compared to other groups that would have the means to defend themselves?