i know you're entitled to rely upon your subord nants. i'm sure you relid upon them in making that certification, but was that certification correct? >> i believe. >> it was correct? >> to my knowledge, at the time. >> not based upon your knowledge at the time, but based upon what you know now, was that certification correct? >> that's why we're having a review, to make sure we have all the right things in place. that's what companies do when they have problems. they analyze them, review them, and make determine nationsrevie >> all right. who is entitled to -- and it seems like that certification is intended for regulators. it's also intended for investors, isn't it? aren't they entitled to rely upon the representation of their adequate risk controls? >> i don't know the thing you have in front of you --? >> what's that? >> i don't know the thing that you're referring to, but we try to give proper disclosure to investors. >> i'm referring to the risk controls. the certification is required by law. presumably for regulators and investors.