One major deficiency at the hands of the banks appears to be impersonation fraud, where a fraudster intercepts correspondence and diverts cash to his own account.

I urge parliamentarians to address this major deficiency.

The remaining 39 percent of the audits contained major deficiencies, however, which put $653 billion and 22.5 million plan participants and beneficiaries at risk.

It cited major deficiencies, however, including the inability to easily justify or delete text, poor printed and built-in documentation, and very slow file saves.

Its major deficiencies are in phosphorus, potassium, sulfur and molybdenum.