We don't want our comments to be misconstrued that any particular individuals, whether members of our profession or not, are not doing their job. My impression, when reviewing the CRA Act and what it tried to accomplish for the agency, in becoming an agency, is that I think there's a lot of area for improvement. They have done some good things. Their introduction of a lot of the electronic-based things is the way business is moving. I call that window dressing. Now they need to start to look at the infrastructure and the foundation that supports all that, and make sure everything is synchronized, because that seems to be where there are difficulties and problems, not just up and down but across the board from area to area.
On June 21st, 2006. See this statement in context.