Mr. Paul Stanley:

First of all, we send out our correspondence to customers in terms of what we deem their remediation levels to be, based on the standard levels. The customers have 12 months after that. We are working on the information we have. The customer may have other information or may dispute some of the information we have. There are two things that can be done as part of the appeals process. The customer can come back to us directly and correct us on something he or she feels we may be incorrect on rather than go straight to appeals. That is optional. He or she does not have to do that. Otherwise he or she can go straight to the appeals panel process itself and represent his or her case.