It just seems to me that it doesn't really make much of a difference whether that's an internal bank process or external because it's still the same.... The bank has preselected a group of people to do it already. They may have rules upon them, but OSFI has rules upon banks, how they behave, and the rules that they abide by. It seems like a lot of shifting around, but it doesn't achieve the goal of giving the consumer more control about where the complaint goes.
I'm going to move on to something else.
Ms. Goulard, you answered Mr. Fergus' question on the number of penalties. You skated around a bit, but you said that a number of compliance agreements were established with the banks.
Can you tell us more about that?