I have a short time here.
That really helped, and I thank you, especially with the time limit.
I have a quick question for the AG. A little earlier Mr. Davies went down the list he had in his presentation, and I think there are seven items. Recognizing the audit was completed in July 2012, which is now seven or eight months ago, whatever the math is, he went down and actually gave categorically some indication of where they are and what they, as an industry, have done.
Could you comment on that, recognizing that before 2007 apparently there were inadequate performance evaluation tools, before 2010. I'm just trying to get a sense of this, because there's a gap here, and since you wrote the audit and since they've reported today.