I have a final point, Mr. Chair.
One of my happier experiences with an ombudsman was a bank ombudsman for one of the five main banks. Very briefly, it was a constituent who had assets on the side that weren't the usual things but were still marketable things. He collected Star Trek collectables. They were limited edition things. He had quite a bit of this stuff, but he and his wife were starting a business and he had a hard time getting a loan from the bank. I called the ombudsman and I was amazed that the ombudsman called the bank manager and things started to happen, because it really shouldn't have been a problem from the get-go.
One of the things that occurs to me is that--I don't know what the bank's procedures are--they didn't object to getting involved. Whatever stage the loan process was in, I wasn't told, “You can't ask us to look at that problem now because it's still on the manager's desk.” We got good cooperation.
Is it imagined that a veteran going through an appeal would be allowed to access the ombudsman through the process, or would they have to wait until all the processes have been concluded before they could access an ombudsman? Could they anticipate a problem? I'm trying to imagine the situations that may fall under this category, but I'm just wondering if you anticipate putting barriers or hurdles, maybe necessary ones, to when a veteran could access the ombudsman in the process.