Thank you very much, indeed.
I'll say about the complaints piece that, on our website, we do detail how a consumer can, in fact, deal with a complaint: where they need to go, when to talk to their bank, and how the process works through the escalation. This information is provided on our website and through materials we share. That is just to address that point.
In the national strategy context, yes, as the commissioner was saying, it's just—