The Transformation of China's Banks

I wonder if you can talk about how, as you say in the paper, you've got these roving bands of discipline inspectors who when they land at a bank or at any entity is not a pleasant experience. I think it's also about an incentive structure where spending two months at cost corporation and then writing a report saying, yeah, we didn't really find any problems here would be career ending. So can you talk about the action, reaction cycle of inspections, leaving institutions and how these institutions then evolve after that?