I would say around 85% of my time has been freed up to focus on remediating issues, conducting focused training, implementing new regulations and overall just being able to further strengthen our Compliance Management System and overall program,  as opposed to doing regular compliance workbook and file review monitoring. By leveraging middle managements role in the bank and assigning workbooks and file reviews to them, we have been able to keep our overall employee costs down, strengthen our overall monitoring efforts (many hands make light work)  and in all honesty help our staff better understand what the rules are and how they can comply with them in their respective business units.  We regularly get seasoned staff and managers, come to us and state “we never knew the rules said that” or “I have been doing this for years and never knew why until now”. CompliancePro® really is an integral part of our Compliance Management System and overall monitoring effort.