Absolutely.
I appreciate the question because a lot of the bad reputation that came up has been based on wrong statistics that have been disseminated by other groups, which are actually quite easy to verify but that didn't happen. I would like to take this opportunity to ask, if you consent, to clarify that later.
The problem was that there were deficiencies in the effectiveness of the complaints and discipline process. We have to realize that the regulator from two years ago is not the same regulator as today, so when somebody says, “Oh, you should just change the regulator,” it's actually not true.
What you are doing, which I think is a very wise business decision, is to keep the hard shell, and now we have the argument about the soft factors, which is management, and so on. We have to realize that there is a new CEO. We have a new manager of complaints and discipline, and an entirely new, restructured complaints and discipline department. We have a new manager of education, and just a few days ago there was an announcement and the new one-year diploma program was introduced.
When you look at that and you see the recommendations of the committee from two years ago, most of them have actually been fulfilled. Therefore, from our side, I can say with confidence that there is no problem in doing that. In fact, it's a very wise decision.