I think the largest issue that probably caused the slow-down.... There were a couple of things. Number one was the need to have recognized that this was going to be a problem and that this was going to be a long-term problem, so not something that would be resolved quickly.
The other thing about it was—again, it goes back, very much, to the audit we just released and the decision to launch Phoenix, even though the information was there, indicating that the compensation advisers couldn't handle the volume. I think the biggest problem at that point, once it was understood that the compensation advisers couldn't handle the volume, was how you get more compensation advisers.
That was what needed to be identified early on and how many of them. Then it would take time to get those people, get them trained, and get them understanding the system to be able to bring them back on. I think those were the two things: the slow recognition but also the fact that there just were not enough compensation advisers to deal with the problems.