I will just intercede here for a moment, and then I will pass the floor to Jason, because I would like him to talk a little bit as the person who runs the client centre.
However, when we are concerned about complaints or statistics showing, for instance, that there might be a large number of defaults on mortgages expected because people may have gotten in over their heads, we have put in place the mortgage guidelines, which is a very active and very specific thing to protect consumers in order to ensure that any catastrophic outcomes could be prevented.