Again, when you saw it, you immediately contacted the CEOs, the banks, and informed them that there was considerable interest in this area and that you expect their co-operation. That's fine. But in terms of the public, if someone were to watch it, they would say that obviously, something has gone wrong.
Can you please identify what that would be? Is it a lack of oversight? Is it a lack of resources? Is there a gap in the system? How did these practices...? I would say, Mr. Chair, that Canadians would say we have a very well-governed banking system.
How did this arise, in your opinion?