1. Under R. A. No. 11765, can the financial regulators issue subpoena duces ad testificandum? For what purpose? 2. Do these financial regulators possess judicial power? Explain. 3. How are complaints against financial service providers addressed? Explain. 4. Apart from the power to decide complaints filed before a financial regulator, what other modes, if any, can be availed of to settle disputes? Explain. 5. When a witness appearing before an investigation by a financial regulator fails to follow a directive due to inadvertence, is this a sufficient basis to cite the witness in contempt? Why?