I know I have a very limited amount of time, but I would like to hear from one or some of the other witnesses on this point, because I think the issue of oversight's an important one.
I agree, Mr. Vernon, people are human. Failures happen. It's the reason why we need to have vigorous and robust oversight. In my estimation, for the reasons that I outlined, I don't feel that it's present, and I'm wondering if I could hear perhaps from some of the other witnesses on the import of that.