We have seen the mass marketing of these loans and the growth of these loans and determined it was appropriate for us to take a closer look.

There's a consensus among regulators that we need to be working on this.

Borrowers are going for the ARMs because they can qualify for a slightly bigger mortgage. There are a lot of issues to be addressed there.

We tend not to mandate things.

We try to target our examinations to the specific activities of an institution and those that represent heightened risk for the institution.

I look at it as smart growth. Smart marketing. Is there a case to be made that we're too many places and we're too many places too fast? There probably is. But at the same time, there's not a seat to be had in the house, and people are tuning in all over the country. So you can't argue against it, either.