That is not necessarily what we hear in the testimony.
One person told us that he had asked one of his colleagues how he was able to meet his objective, to which his colleague replied that he sometimes gave products to consumers who had not requested them, that he falsified signatures, and that he increased interest charges and lines of credit without the client's permission.
The testimony we have heard shows that these incentive measures make certain employees resort to dubious practices in order to meet their objectives. Unfortunately, you did not address this problem today.
As to the recourse available to clients or employees who have witnessed a fraudulent situation, I understand there is a complaints process that can lead to penalties.
To give us a better idea of the scope of the problem, can you tell what penalties have been imposed on the banks in recent years?