Thank you very much, Chair.
Mr. Wernick, I wanted to go back to you quickly on the topic of culture change. It's come up in a lot of your testimony and Mr. Lick's testimony today and in previous meetings.
I used to be a consultant at the Boston Consulting Group once upon a time. If BCG was engaged to work on culture change—and I worked on a number of those projects over the years—one of the things we thought about was what the framework was, what were the categories of things that had to happen, and over what period of time that had to happen, if you will. I'm oversimplifying, but that's the summary of what that would look like and what we would want to produce.
If you were producing this for us—and I realize that this is the “back of the envelope” version of it—what are some of the key categories or steps that need to be taken, in your view, to change the culture? You've talked about legislation, but not all changes come through legislation.