The line has flattened, if I can put it that way. Issues of the day can cause it to go back up. It seems to have flattened. We have that under some control. Our early resolution process is starting to show real benefits, but we have no control over what comes in the door and what causes it to come in the door.
The report cards are about systemic issues, things we identify that need attention, either from a compliance or performance point of view.