First, the recommendations of the Standing Committee on Procedures and Performance Audit on Public Services set up in November 2003 covering an individual customer's dealing with a bank in the areas of foreign exchange, currency and government transactions, including pension, besides the main relationship as an account holder are being implemented.
In relation to the financial system, our macroprudential policies such as the countercyclical capital buffer that we triggered this summer and our mortgage rules are intended to ensure that resilience is enhanced during phases of good economic performance.