Perhaps I could just speak to the investigation part of your question. It's very important to note that the industry review itself of bank sales practices and their impact on employees' interactions with consumers with regard to their expressed consent is one thing. Any investigations happening either as a result of our work there, or separately—because we have received complaints, we've asked for information from the banks—coming out of that are separate from their review and will be dealt with separately. So, as those investigations progress we will follow our normal procedure. I can assure you that it is a priority for the agency and for my group to investigate those; and we will publish decisions according to our publishing principles as a matter of course. That activity is separate and they don't go through the Minister of Finance or the Department of Finance. It's entirely done within the agency.
On June 5th, 2017. See this statement in context.