That's why our own internal audit, in bringing to our attention this risk of inconsistency, led us to our need to clarify the guidelines—specifically, for example, in the financial institution delays. We'll put in examples: “This is clearly a serious situation. This is a less serious situation.”
You're right that we can always improve and tighten the guidance. The caveat I was leaving was that we just can't prescribe it. It can't be a formula. I think we definitely need CRA officials to exercise their judgment. We want to avoid the types of situations you heard about from your colleague, situations of somebody waiting an unacceptable period of time. We want them to have some discretion, even at the risk of having some inconsistency.