We have about 450 people. A lot of them, 200 of them, are in Toronto. Many of them have come from the financial services industry. They are accountants, auditors, actuaries, or people who have just worked in the industry.
We send in teams to look at the internal controls within financial institutions--what kinds of controls they have in place before they make loans, for example. I will actually go in and look at the quality of the loan book. We'll send people in to look at many different aspects of the bank's business, whether it be outsourcing or IT practices. Credit quality is something we focus on a lot. So we would be sending in teams regularly to look at the credit quality.
What we do is consistent with what is done by other international agencies like ours.