To all three, I guess my question is this. If these complaints have arisen with the existing systems that are in place, don't you think this might call for additional measures? I'm assuming you would prefer to have measures that you could develop on your own rather than to be regulated to that effect. If that's the case, I'm certain that some blue-skying must have gone on in each of your institutions. What type of additional measures do you think you could take to make sure or
to see to it that transactions are monitored in branches? It seems that that monitoring is insufficient at this time.