I was the one that went to the conference, the regulators talked alot about it, and there were several vendors there. We've been talking ERM for a while, but now it's getting pushed to the front-burner, and we have no budget for any kind of software. I'd love to see some samples of an excel report, but I'm finding out it's hard to come by. I know we would have to modify it to fit our bank, but if I could at least have a jumping off point, it's better than starting from scratch. If there is someone in need of a checklist or something else I can offer, I'd gladly help them out if I can in return.