He spoke with Banking Dive about staffing shifts at the OCC and how regulators think about progress when it comes to satisfying consent orders. They take time to build, and the groundwork to that consent order began mid-2018. We identified technology issues, governance issues, data sharing, data integrity issues, risk management concerns. There's no doubt Citibank is a much stronger institution from a risk management perspective, from what it was in 2018. Whether they've made enough progress to close the consent order at this point in time remains to be seen.