I'll give you an example. If we have a problem with, for example, the co-borrower issue that is before you in terms of providing disclosure to all borrowers, we've found that in the case of joint borrowers, that was not the case. Unless it related to a particular branch, it was a general policy that existed within a bank. Therefore, you won't find specific violations that are named for a branch.
On February 19th, 2007. See this statement in context.