I'll be very brief. The only thing I would add is that in our case, what we are making sure is that when we learn from things that come from audit or a fraud investigation we target the people who absolutely need to have the most detailed knowledge. We do the mandatory training for everybody, because everybody should have a basis, but there are some common job categories for which we really target. That's what we did with the construction fraud. We wanted to make sure we were avoiding the risk of finding out at the end that people didn't know what they should be watching for.
That's all I wish to offer.