In some cases, the regulator may not agree with the recommendation and we may agree to disagree, Mr. Chair, but we always track them. If we feel that the residual risk is sufficient, we keep them active. If we feel the residual risk is lower but we're not ready to close the recommendation until it's fully satisfactory we may make it dormant, but we always follow up on an annual basis.
Some of them are harder to implement than others, because there may be resistance from the industry or there may be costs involved, but we continue to pursue those and highlight them in any investigations where the same issues resurface.