 But for my first question, let me continue with what the Chair is saying, because he is correct how we felt about FDIC and what was happening there. So I'll give you some time to finish your statement on that. Madam Congresswoman, one of the first things we also did was to bring in an outside, one of the big four, to work directly with our leadership team to improve the unity and leadership levels with focus on training and development. We hired in