Just to make it clear, we accepted the vast majority of the recommendations in the report. That particular one we looked at very seriously. We considered it. We studied it. There were a number of issues with it and at the end of the day we were guided by the ultimate goal of making sure that we set up the best possible structure to serve clients and to make sure that people are protected.
For comparison, in the existing mechanism, for example, the code of conduct is set by the board of directors. In the proposed approach, it will be set by the minister of immigration and any changes to the code of conduct will have to be approved by the minister of immigration.