Well, it's important that the first thing to bear in mind here is that there has been basically a change of providers rather than a pulling out; there has been no pulling out of a consumer redress system. In fact, for consumers, all banks in Canada are dedicated and committed to providing a very robust consumer redress system, both internally and externally. All banking customers in Canada have access to that. That is true across the board. There are just different providers.
As the minister said—and I was listening carefully to his testimony here—the government has already announced that there are going to be regulations on codifying and putting standards in place both for internal dispute resolution and for external. We're looking forward to those regulations and participating in those kinds of consultations, because that will establish standards all can point to.
But the point is very clear that all banks are committed to providing robust and high-quality consumer redress to all the consumers they have.