We looked at our complaints in the same area, so complaints in the areas of express consent and disclosure. We went back three years to see what they looked like, and we determined that the number remained stable year over year. Even despite the fact that there was no red flag, if you will, from our complaints perspective, we continued to monitor incoming complaints.
We decided to focus our next industry review on sales practices to gather more information about sales practices. We knew what was going on in the United States, and we wanted to find out what was going on in Canada.