 This is what I've been told, but I don't know because it's pretty fresh, so I don't know if it's the truth or not. I keep getting told that it's human error, that it's just negligence, but I don't know if that's the case or not, to be quite honest with you. It hasn't affected me, but I also haven't had to deal with the bank and haven't had to go to the hospital, so...