Mr. Eddie Cullen:

We put 100 people on this who have spent a year going through all of the documents. Unfortunately, nobody can give the Senator an absolute assurance that we will not ever find anything again but we have a much higher degree of confidence about it now, having pulled all of the loan documents, reviewed the individual customer relationships and looked at the nature of the charging. We feel that we are now in a much stronger position, in terms of the probability of finding something, than was the case 15 to 18 months ago.