Jack Reed actually said...

I think we all have to be much more creative, and I think you have to be much more demanding in terms of those types of performance ends you...

I think you will have to, because you have identified this key fault line in the Agency.

To take all those off the table and just sit pat I think is not the way to minimize losses going forward

Are they moving aggressively to fulfill your recommendations and to correct this, and do they have the resources to do it?