Okay. That's good to know. Checks and balances are always important.
Let me end my questioning, Mr. Wernick, because I think that, really, the purpose for you being here is still a little dubious to me, other than to rehash what happened in 2019. Can I ask you not whether you have any regrets but whether you have any thoughts to share as to improvements to the system based on your reflections over what happened with SNC that we should be considering as legislative or regulatory changes to put into effect or procedural changes?