00:00We've been in the process of introducing incremental proposals to improve the stress testing process and we'll be in the next week or so introducing another iteration of that for model modernization and transparency and some other things that we've promised through the litigation that was filed by the largest banks.
00:20With Basel, we're in the interagency review process and we're negotiating across the prudential regulators with the OCC and the FDIC at this point, so it's a little hard to predict where that might end up and on what kind of a time frame, but I think all of these are very positive.
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