I'm sorry. I was prepared to answer a different question. I honestly do not know. On the Netherlands, I don't know. We'd certainly be able to provide that information to you.
There are two points. First of all, those results are not satisfactory. They're very concerning, and these are issues I have raised at the most senior levels of the banks in the strongest possible ways.
I will say, though, that of course our report deals with a point in time. I would say that if we were to do the report again, based on current...we would expect to see improvements, because banks have been paying attention to this. It is important that they do so, because we anticipate a wave of complaints, which follows every crisis, so it's very critical that the industry get its complaint-handling processes in order, so that consumers can be treated fairly.