I won't repeat all the aspects of the charter, because I did that earlier.
It is designed to work in conjunction with the FCAC mortgage guidelines that were put out in July. I think it is through FCAC that Canadians who feel that they aren't being well treated by their financial institutions should seek some assistance. As was announced in the fall economic statement, we are moving to essentially a single ombudsman, a single point for an external complaints body where these issues can be addressed.