AML, Responsible Lending, Non-Discriminatory Credit

It's interesting that you're emphasizing the conduct and culture. And I think the other one that we're seeing a lot of activity in here in the US is in an fair lending, non-discriminatory credit. Do you have you seen much of that area active? Yeah, it's so when we do our surveying, we actually ask institutions about their greatest areas of apartheid. So they were the top three that were nominated from that last survey. But certainly we have seen a focus on responsible lending.