mr. cavallo -- curbelo. >> thank you for recognizing my unfortunate injury over the holiday. i will reserve all of my comments on hoverboards. thank you so much for coming in today. there are a lot of specific questions that have been asked and i think they are all very important. i want to ask you more broadly, is this just a cultural issue that is going to have to be addressed beyond the specific fixes that you may recommend? is there just a cultural, structural issue here that we should really focus on? i don't think congress is particularly well-equipped to get into the details of how an organization is operating, but we can certainly lay out a vision and that they suggest a structure. i am wondering if you could give us some guidance in that regard. >> you ask a great question. i'm going to stand back or what i will call the detailed auditing hearing of how pieces fit together in some of them fit in with enterprises and some of the other matters we have talked about. i used the word earlier and it has been used over the years with sba has been silent in the idea that you