team beganedicated to engage in active monitoring of data analytics, specifically for the purpose of rooting out sales practice violations. in 2012, we begin reducing sales goals for team members who need to qualify for incentive compensation. in 2013, we created a new corporate wide oversight for sales practices. in 2014, we further revised our incentive compensation plans to align pay with ethical performance. in 2015, we added more enhancements to our training materials, further lowered goals and begin a series of town hall meetings to reinforce the importance of ethical leadership and always putting our customers first. throughout this five-year period, we identified potential inappropriate sales practices and we investigated those and we took disciplinary actions that include terminations of managers and team members for sales policy violations. the 5300 terminations over the five years that had been widely reported. despite all of these efforts, we did not get it right. we should have realized much sooner that the best way to solve the problems in the retail banking business wa