>There can be different levels of "policy".  For example, when the national 
>bank examiners (aka, "auditors") visited us they conducted audits according to 
>the policies established by the national body that chartered/insured our
bank.

It's the same in Canada.
But, the examiners don't make the policy either.
They just report on it.

-
Too busy driving to stop for gas!

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