Good. Thanks for that.
In your report, you looked at some other jurisdictions, including Australia, the United Kingdom, the United States and the Netherlands. The standard in Canada in terms of resolution of complaints is 90 days. You note that out of the six banks, that standard is not being met. In some cases, it's not being met by quite a significant number of additional days, double the time or more, in terms of an average.
Your report notes that the 90-day standard is double that of Australia, double that of the United Kingdom, and that the counting of the 90-day period excludes the first step, whereas the first step is typically included in some of those other comparator jurisdictions.
What about the Netherlands and the United States? How do we compare in that regard?