Of course. I don't believe everything is fine. Again, I point back to continuous improvement, and we strive for continuous improvement. This is a great exercise for us to identify places to improve, and we agreed with the findings, as mentioned earlier.
We have a lot of work to do. There's no doubt we do, and we're getting there. These issues were identified in the last couple of years before the special exam kicked off further. The lens that is looked at today is different from what it was 10 years ago, completely. The industry has changed. Accountabilities have changed, and it's just a different audit altogether.
As for the significance of the deficiency, I would point to Mr. MacLellan to describe to this committee what that deficiency means. It's not a results deficiency. It's a process deficiency based on audit criteria. So I don't necessarily agree—