I would say that part of our industry review will be to interview all of the relevant employees, at all levels, regardless of their title. It will help us conduct our investigation. We will have to look at their compensation programs, because the issue for us, for our industry review, is really trying to zero in on whether or not compensation programs and sales targets lead to poor business practices.
We are lucky enough to have worked with some international jurisdictions that have conducted such reviews and found that sales targets, particularly the compensations, drive culture and can drive poor sales practices and poor outcomes for consumers.