I think your question was as to what the FCAC will do in the coming weeks. That takes care of our part, but we very much expect the banks to implement all of the things that we have raised in our report. That includes redesigning or taking a fresh look at their compensation and performance management programs to make sure that they motivate employees to work in the interests of consumers rather than the interests of a sale.
We're also looking at having them provide their senior management and boards of directors with more information on market conduct risk, a more comprehensive and holistic view of their sales practices and risks so they're able to make the right decisions. We're also looking at them to improve the monitoring of the complaints and the reporting of their complaints. Typically, they don't capture first-level complaints. I'm not sure what the percentage is, but it's probably 95% of complaints that are resolved at the first level. None of that information is captured. We think it ought to be captured because we think it's rich in information in terms of pointing to emerging issues and trends.
These are some of the expectations that we have of the banks.