WEBVTT

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And Michael, to your question,

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they did come in at our most recent exam,

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which was about three months ago,

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and they reviewed the pilot.

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They did poke and prod the program,

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and they had no issues with the Takara
program.

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And part of the benefit of working with
Jonathan and team,

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there are questions that we might not have
been familiar with,

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and we just tapped Jonathan and team on the
shoulder,

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and they were able to provide the required
information

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that we weren’t confident in our own
responses,

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and they bolstered that.

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And again, no findings, no concerns.

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They do want updates.

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They're very interested in it because it is
so new,

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and it is an opportunity for us to unwind,

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actually I wouldn't say unwind,

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but to mitigate the risk that these loans
currently have on our books.