I think we need to separate the two issues. The review was really aimed, as the commissioner explained earlier, at identifying the risk drivers, and that could lead to a bad consumer outcome. In the context of that, the report is very clear. We found that it's the sales culture within the banks that's very sharp for certain areas, like mobile mortgage specialists cross-selling creditor insurance to third parties. That is definitely the culture there. Some employees told us so.
On May 28th, 2018. See this statement in context.