With respect to the reorganization and the training requirements that we recognized that we would need, there were some immediate needs that we recognized, and we are in the process right now, for example, of developing, with FBDB, a new credit manual for all of our officers. The superintendents are the primary contact in the regions so they will be handling most of that.
With respect to our whole human resource need, we are in the process of developing a human resource strategy because, in the past, the superintendents undertook what headquarters told them to do, and we are in the process now of identifying the training needs of all of our staff, starting at the EDO level and going all the way through to my position. We are going to make sure that we fast-track that, and it's on stream now so we hope to have it off this spring so that we can start putting the superintendents, credit officers and all of the regional staff into programs where they are fully aware of what skills they need and we get the skills that they require so that they can do the job that they have to do.