Clearly, this is not a simple process if the results are to be relevant to the specific risk profile of the firm. But based on the progress we have seen to date in this area, I think you are up to the challenge and I encourage you to keep moving forward.
The industry has indeed evolved over the four-and-one-half years since passage of the Gramm-Leach-Bliley Act - and perhaps in many respects, it has evolved in directions different than some envisioned when the act was under consideration in the Congress.