Certainly, there were external events that caused us to re-examine our overall control structure. It was well publicized that HSBC group had a large settlement with the U.S. authorities and U.K. authorities. That was preceded by a lengthy investigation in which we cooperated fully with law enforcement. I think through that process HSBC Group learned many lessons about control structures and what we needed to do better.
There was a case study issued by the U.S. Senate that has many lessons learned that other financial institutions are focusing on. I would say it is a combination of those external factors as well as interaction with local regulators and regulators around the world that is increasing the focus on bringing standards