Yes, and I think in the report we specifically referred to things like the way they have done their risk assessments.
If risk assessments are not sufficiently broad, if they don't take into account the identifiable potential risks, then you can focus on some things that have gone wrong in the past but you're not necessarily thinking about things that could go wrong in the future. That is what's important and part of why we said their approach has been too narrowly focused. It needs to be a risk-based approach considering what risks the industry faces.