Okay.
I'm just going over the statement that you made. You made an interesting comment in saying, “I have long held the position that outdated policies and procedures hinder the engagement of capable and committed personnel.”
You talked about the one example involving the home equity assistance program, and I have a question about that. Before I go there, can you give some more examples of policies or procedures that you're concerned about, maybe some of the most outrageous ones or ones that made you wonder how they were ever in existence?