Thank you, Mr. Kirkby.
I want to turn my questions to Mr. Campbell, and indirectly to Mr. Parker. In both of your organizations, your members voluntarily contribute to the Ombudsman for Banking Services and Investments. Of course, it's a voluntary participation under OBSI that provides a service that essentially seeks to resolve disputes between your member organizations and the broader public. It follows, really, from your comments with respect to financial literacy.
To Mr. Campbell, given that a number of your members, at least two of the chartered banks, have withdrawn their financial support to OBSI, do you think it might now be high time that they be subject to mandatory oversight by the Ministry of Finance?