Thank you for your question. I will answer in English.
With respect to the code specifically, the payment card network operators are required to ensure compliance with the code across the network, including all the downstream participants.
Our role in supervising them involves many steps. First, by way of example, we review the policies and procedures to ensure that they will enable compliance. We also provide guidance to set expectations on the consumer protection measures included in the code.
Complaints are another important feature, so we do receive complaints reported by the payment card network operators. We also receive complaints from merchants. I'll use that as an example to say that when we receive these complaints, they are investigated. In the case of the payment card network operators, over the years there have been significant complaints about fees and complaint handling. As the commissioner noted in her opening remarks, we have seen improvements made in the new code to ensure greater transparency around fees and to improve timelines around complaint handling.
Those are some of the ways in which we supervise payment card network operators.