Text this: Public audit oversight and the originate-to-distribute model

  ______     ___      ______     ___     __   _   
 /_   _//   / _ \\   /_____//   / _ \\  | || | || 
 `-| |,-   | / \ ||  `____ `   / //\ \\ | '--' || 
   | ||    | \_/ ||  /___//   |  ___  ||| .--. || 
   |_||     \___//   `__ `    |_||  |_|||_|| |_|| 
   `-`'     `---`    /_//     `-`   `-` `-`  `-`  
                     `-`