I'm new to Reg O and have a question. Scenario is that the bank is owned by a holding company. If that holding company is publicly traded, and an entity owns more than 10% of the holding company's stock, does that make the entity a principal shareholder of the holding company and thus an insider of the holding company? Do we now have to monitor that entity for Reg O compliance? If so, would it be the entity itself we monitor or would it be the persons controlling such company? Thank you.