Thank you.
My name is Marshall Schnapp. I'm the ombudsman for ADR Chambers, and we're the external complaints body that RBC, TD and DC Bank use. I don't have any specific comments on the bill, but I would say that what the legislation does for external complaints bodies is current with our practices and it codifies a lot of what was in the regulations.
I'm also here, obviously, for any questions.
Thank you.