Our culture is very clear on the tone that we're trying to establish, and that is really to put the client first, to do what's right for the client in every instance. The message could not be clearer from our CEO on down through the organization that it's about doing what's right for the client first. That's reinforced in our balanced scorecard, which is the primary directional aid that our employees look to in order to understand how they are doing relative to the expectations of the organization.
There are a number of checks and balances in place in the system to make sure that if an employee or a customer feels that something inappropriate has happened, they can raise the issue through a number of different channels, including completely confidential channels.