I may be able to help with that question.
Each of the banks has a different way of operating. They each have different committees. What we are looking for is the right outcome: making sure that the boards of directors of the banks receive the necessary information and that we receive the information. It's not going to be a standard format whereby paragraph 1 says this and paragraph 2 says that, but we will advise the banks, and as a result of our sales review have already advised them, of the type of improvement we hope to see in their governance, including the type of report they need to provide to their boards and as a result provide to us.
It's not, then, a standard format, but the outcome will be very similar for all the banks to ensure that they meet their obligations when dealing with their staff and their customers.