Mr. Patrick Neary:

Well, what happened in those cases were the findings ... the findings were collated. Each bank got ... now I don't ... I don't believe there were any high-priority items reported up along from those particular reports. I don't think the ... the, inspectors that carried out those classified any of the findings as high priority but there was some common threads like not getting net worth statements and things like that come to mind. But every single one of the banks that was inspected, they received a letter setting out the findings and I can only assume that that letter set out some remedial actions that were expected.