Here is a great example of analytics being used to identify and reduce risk. The example is the FCPA, but you can extend this to many other areas. I’ve seen this done with great success in AML. We are beginning to see this deployed to accurately identify credit risk as well. Analytics can be used to reduce the cost of monitoring, and, of course, penalties and reputation damage. It still takes sharp people to identify key relationships and program it, as well as analyze the results. All certainly achievable.