Mr. Kevin Bakhurst:

We are making good progress on those. We are up to more than two thirds of them. We were able to implement a number of them quite quickly. For a significant number, we were waiting on the arrival of Ms O'Shaughnessy, our chief risk and compliance officer, to drive them through. She has been working closely on making sure we implement them, so I wonder if I could bring her in on where we are on the expert advisory committee, EAC, report.