I think with any independent body.... There are two different ombudspeople, and I think our work is pretty transparent. I think our methodology is pretty transparent. I guess part of the challenge is that there aren't that many service providers that are offering this.
In my experience as an ombudsman and investigator, I haven't had the experience where a bank was trying to unduly influence us, or also respects our rule. That's the model that's in place. I don't see it like that, but....