You need to have the context of the compliance advisers and their role. Nothing changed in process. Nothing changed in terms of the forms. Nothing changed in terms of the training. It was all as it was in 2011. What changed was that there was a lot more oversight. The oversight itself isn't what did it.
What needed to happen, and I was very clear in my report about this, is that the administrative process needed to take a look at what the legislation requires and be simplified and streamlined. All the forms and all the instructions need to be made consistent and in absolutely clear, plain language. The training needs to be considerably improved. It all needs to be tested and be made sure that it works; and that, in a combination, can really improve the compliance level.
Simply having a bunch of people wandering around taking notes on whether people are doing it correctly or not, and intervening with their supervisors if they're not, isn't enough. That's the statement I was trying to make. If you read the whole report you get that context. If you selectively take a footnote, you don't.