I am concerned about that remark, because it is a valid statement. We are always concerned about our ability to attract and retain the talent we need, because it is a highly competitive industry in all its areas of specialization.
We believe that by taking the actions that we've committed to take in response to the audit, we are mitigating that risk considerably. Since the beginning of the crisis in 2007, we have increased our supervisory resources by 36%. That in itself has gone a long way to help mitigate the risk. The adjustment that we hope to make to our compensation programs will also help mitigate that risk, and we're confident that by taking the actions we've identified, we'll be okay.