We've been forced to use those generic letters. I think we would all prefer to be able to give far more precise information, but that would be an extraordinarily time-consuming process. Given the volumes that we have, we've had to go to a generic letter, which tries to give as good an idea as possible of the reasons and the reasoning behind the decision. But I grant you it's not specific enough often for an individual to know exactly what the score is.
On June 4th, 2013. See this statement in context.