Thank you very much for that question. I'm very happy to address it.
I read that news story. I found the news story accurate, but the headline was not.
We have a centre where consumers can make complaints, but we are not a complaint-resolving entity. We have a system for complaints, which has recently been significantly improved.
Our role in complaints against banks is to supervise this system. Banks have an obligation to have effective complaint handling. It's been significantly upgraded as a result of the framework. If consumers are unsatisfied, they have the right to go to an external complaint body, which we also supervise. We're moving to a single one. That's the complaint resolution system.
We receive complaints for information in case there is some compliance issue we should be aware of. These get reviewed by a supervisor in case we need to take action as a regulator. It's also good information generally to know what's going on in the marketplace.