Right. From a consumer standpoint, there are two elements of our governance structure that are important. We have a stakeholder advisory council that reports directly to the board of directors, so it's a direct line to provide advice and guidance. It is made up of a broad set of stakeholders, importantly including consumer groups.
That is how we ensure that the voice of the consumer gets right to our board of directors and again, a board of directors that will now be majority independent of financial institutions. We think this has struck the right balance going forward.