I'll continue my response.
When I decide whether or not to name a bank, I make sure of three very specific things. What will make the bank return to compliance? What will change the bank's behaviour? What tool will help me get the best result for consumers? If a bank needs to be named, I'll name it.
I can assure you that, with this approach and our interventions, consumers have been reimbursed $21 million over the past two years.