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

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 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.

We tend not to mandate things.

They find out what kind of contamination is present, the concentrations, the extent and whether it poses a risk to people and the environment.