Thank you.
The fact that $15 million was returned to customers is obviously good news. I think, though, that we could be stricter with the banks themselves. That leads to my next question.
When you impose fines or penalties, or when you find a bank guilty at the end of an investigation, is that information made public?
In my opinion, one way of dissuading banks is to name them when they are in the wrong. Is that part of your approach? If not, would it be a good idea to do that?