Sure. How we're structured I think allows us to be independent. First of all, we go by the ombudsman standards, of which impartiality and independence are a part. We also have investigators and we review all of the matters. We have discretion when it comes to intake. We also have discretion when it comes to what files to deal with, even if they are not in time to make the complaint. When we do reach a decision, that draft decision is given to whichever party we've decided against and then they have an opportunity to make comments, and that goes both ways.
As well, how we're set up is that if a bank doesn't agree with what we do, we'll publish the report on our website. I don't think we've ever had to do that because the banks do defer to our ultimate recommendation.