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Furthermore , with respect to the suggestion that approval should be required from " senior management " ( a term that is not defined in the Consultation Paper ) for transactions with PEPs , we note that transactions involve straight-through processing and as a result , it would be virtually impossible to obtain senior management approval , or determine the source of funds , before all transactions with PEPs . They expect to make incremental progress on targets for fall 2002 , and to continue over a five-year period to achieve these targets . Finally , I think it 's nice to see many of these conversants , particularly those that might be very well known in the discipline , as human beings as opposed to the " communication gods " that they are built up to be to those of us who may be relatively new to the discipline . Under the proposed changes to the law many of the record-keeping and compliance requirements are being duplicated between distribution channels and the insurer resulting in insurers incurring expenses to duplicate the efforts of their distribution partners . The purpose of the November conference , the sixth in a series , is to share current research and to continue developing a series of monographs on the 19th Century press , the Civil War and the press , and 19th century concepts of free expression .