Another consideration is to have quarterly operations audits. They are smaller but we feel can include just about anything that comes up outside of formal audit findings. There is a basic structure to them and includes frontline related issues, customer service concerns, security concerns, regulatory head's up. Really anything that has created increased risk(s) to the bank, where it is more appropriate to elevate the info to management and the audit committee's attention in a timely manner is game for quarterly audit content.