In the credit portfolio, what you might find is that management might decide to go for a riskier segment of the business, and they might not put the controls in place to monitor. You'd have to monitor the portfolio a lot more closely if you were going for a riskier segment of the business. You'd have to have discussion with your board of directors to ensure that they were onside with this change in strategy.
That would be an example of something that we have found in the past. Management has decided to go out to try to make more money. They would target another business that they hadn't yet targeted, and they wouldn't put the controls in place to monitor it. That's an issue for us, and we'd force them to change that.