The answer to that, sir, is that all of them do. It may not be experience in pension matters, but they all have an ombudsman system. Somebody not connected with, let's say, a widow's pension or whatever--outside of the veterans pension thing--can take a referral. Somebody calls him up to say, “Mr. Whatever-it-is, can you look at so-and-so?”; he'll say yes, and he will dig it out. They all operate with a system where somebody who's not connected with what happened, such as an adjudicator, is taken out of the picture, and the ombudsman comes into the picture and produces a fair report.
During the times we were there, no ombudsman had been relieved of his duty, for whatever reason, for something like 15 years. The system was working--no question.