of your work. why did this happen, tim? >> i think it happened because in our retail banking business, we had an incentive compensation plan that drove inappropriate behavior. it created a culture that was very focuseded on selling products as opposed to providing the right service and advice so that was number one. number two, the way that we were organized then versus where we are today is that we had many of our risk functions inside the business. our businesses were oralized gan a very siloed way and that created an atmosphere for this problem. >> when you look at the independent board for this, the words they used were inproper, unethical, common to blame employees without analyzing the root cause. so wasn't it more than just these two dysfunctional things? was it at the core, a system and culture problem? >> those -- those two things that you describe which actually