To respond to the first question, the clarity is that federally chartered banks, under this legislation, should adopt and comply wholly with this comprehensive suite of consumer protection rules that exist here in the act. That is what they are being asked to comply with. Banks themselves need to manage to the extent to which other rules may apply that fall outside of that. That is my answer to your first question.
On the second question, to my knowledge, there are only two external complaints bodies that are authorized and regulated, certified, in Canada to perform the role. Our banks can choose only one of two. They both must follow the same rules and procedures, and meet the guidelines set out by the Financial Consumer Agency of Canada. They are independent corporations, corporate entities, that make their own decisions about staffing and hiring, but their roles are quite transparent.