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Great. And then in thinking about the buyback authorization that you guys came out with last night, it's fair to assume they you all have engaged in active discussions with regulators and they are completely comfortable with you all buying back 10% of shares outstanding? -------------------------------------------------------------------------------- Steven Sugarman, Banc of California, Inc. - President and CEO [25] -------------------------------------------------------------------------------- We have had this program approved by the Board previously, so this is not a new program and it replicates a program that we had put out a couple years ago. It's something that as we look at our stock and our position, we feel could be very attractive. It's also something that given the speed and movements within the market, we decided was very opportunistic as far as the timing yesterday. Depending on size, there's different levels of actions that would be taken, but we are very comfortable that with any plan we have that this is consistent with it, it's within our regulatory capabilities and that we would not pursue this if we thought that it would reduce our capital below our currently targeted levels or could sacrifice the safety and soundness of the bank. However, as an alternative capital deployment against growth in a more accretive way with less risk, we believe that it could be exactly the right way to go, and we believe that our policies, our regulatory regime and our governance structure is consistent with it. -------------------------------------------------------------------------------- Bob Ramsey, FBR - Analyst [26] -------------------------------------------------------------------------------- Okay. I guess what I was saying is you highlighted the positive open relationship with the regulators. Is this something you've been open with them about and everyone is connected on?

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