BTW - I loved reading the comments by PA AG Tom Corbett.

I think our AG folks here in PA have their heads around the issue. He gets it. The only weakness in the thought process, in my opinion, is that I still do not think they understand the real defalcation picture. Perhaps our industry has swallowed the problem and it's not easily seen by the public. That's a big bank of losses and Mr. Lipshultz was serious when he implied that competition might cause theft. I know it sounds ridiculous on the face of it, but those of us in the business know it's the truth and that's why we need audit standards and oversight. Keep them honest. There's just way too much money flowing through unwatched.