Mike Rounds actually said...

I think it is terrible risk management, obviously, not to have a CRO at the firm.

During this time period, perhaps for as much as 6 months during that previous year, the bank was without a risk management officer. Is that ...

And I recognize that there is a difference between a matter requiring immediate attention and a matter requiring attention.

My understanding is that there was a period of time there in which they were without a CFO as well. Is that correct?