It's a good question.
Just to start quickly with the source of the complaints, those are complaints the banks are required to report to us. They're also complaints that we had internally at the FCAC. We get numbers from the banks. We asked the banks to give us every single file they had in relation to these complaints so that we could look through them, and we looked through all of them. By the way, that included listening to actual phone calls the consumers had with the banks to understand what was happening.
Those complaints fell within an area that we oversee. They were things that we are able to address, if the evidence supports it, obviously, through the various mechanisms that we have. These include administrative tools or even, if the investigation leads this way, notice of the violations and, eventually, decisions that the commissioner will have to render. We were able, and we are able. That work is continuing with those complaints.