New Release: Ocularis 6.0

Today Qognify, the trusted advisor and technology solution provider for physical security and enterprise incident management, set a new standard for video management systems (VMS) with the launch of Ocularis 6.0. Available now, the release includes map-driven operation and a bi-directional interface enabling security operators to monitor and respond to incidents faster by removing the need to switch between several systems. Ocularis 6.0 also benefits from Qognify’s cross-product research and development, incorporating more robust automatic updates, improved video sharing, camera, and security upgrades.

Map-driven operation is becoming the new standard for VMS systems and Ocularis 6.0 rises to this standard by providing operators with the capability to retrieve and visualize status information from other security systems, such as access control and intrusion detection. Additionally, a new bi-directional interface enables access points to be controlled directly from Ocularis, with plugins available for third-party access control systems. These advancements eliminate the need to switch from the VMS to the access control system, speeding up the response while maintaining focus on the developing scene, whether that is ensuring a safe exit path in the event of a fire, halting the progress of an intruder, or assisting with crowd control.

Jeffrey Swaim, Director of Channel Sales and National Accounts at Qognify, comments: “Ocularis 6.0 will provide our partners with capabilities that align our end-users’ outcomes with state-of-the-art technology.  This customer-focused approach will be instrumental for Qognify and our partners in expanding our footprint in key vertical markets, where Ocularis is strong, such as K-12, State and Local Government and Healthcare.

A challenge for many surveillance operations is dealing with the high number of requests for camera footage by law enforcement agencies for use in investigations. With Ocularis 6.0, operators can quickly create an ‘evidence story’ extracted from the recordings of multiple cameras (if required). Using the new one-file video export function, the footage is readily available for sharing in a single compressed and secure file. To ensure sensitive and confidential information isn’t disclosed when handling CCTV requests from the public, Ocularis includes a masking feature, to easily block content within the footage, so it isn’t visible in the exported file. Ari Robinson, Head of Ocularis Product Management, adds: “We are supporting our customers in achieving the highest standards of privacy where it is required and use the strictest data protection regulation in the world as a benchmark.

Qognify is committed to improving system performance and security. To this end, Ocularis 6.0 has received an upgrade to its Auto Updater functionality, making it more powerful and clearly showing the update status of the entire system. The technology, developed by Qognify and used across its video management portfolio, ensures that customers with a valid Support & Maintenance Agreement (SMA) can keep their VMS up-to-date and benefit from newest camera technology. The security level of the platform has also been hardened with multi-factor authentication capabilities, using Cisco Duo for logging into the Qognify Web Client, enhanced password encryption, the ability to change camera passwords and an automatic log-off feature (based on a duration of inactivity), which supports HIPAA compliance and minimizes the risk of unauthorized access.

There is also good news for organizations using Immervision 360° cameras: Ocularis 6.0 now remembers dewarped locations and automatically loads preferences, making manually re-positioning cameras at every login a thing of the past. Qognify is also providing consistency across its entire VMS portfolio, with Ocularis 6.0 now being ONVIF G compliant.

Robinson concludes: “The new additions and improvements introduced in Ocularis 6.0 are a further demonstration of Qognify’s research and development strength. We’re able to draw on innovations developed across our entire video management portfolio to bring new innovations to market, setting a new standard in VMS.

Availability

Ocularis 6.0 is now available from Qognify. Current customers with a valid SMA can already download and install the update.

New Release: Ocularis 6.0

Today Qognify, the trusted advisor and technology solution provider for physical security and enterprise incident management, set a new standard for video management systems (VMS) with the launch of Ocularis 6.0. Available now, the release includes map-driven operation and a bi-directional interface enabling security operators to monitor and respond to incidents faster by removing the need to switch between several systems. Ocularis 6.0 also benefits from Qognify’s cross-product research and development, incorporating more robust automatic updates, improved video sharing, camera, and security upgrades.

Map-driven operation is becoming the new standard for VMS systems and Ocularis 6.0 rises to this standard by providing operators with the capability to retrieve and visualize status information from other security systems, such as access control and intrusion detection. Additionally, a new bi-directional interface enables access points to be controlled directly from Ocularis, with plugins available for third-party access control systems. These advancements eliminate the need to switch from the VMS to the access control system, speeding up the response while maintaining focus on the developing scene, whether that is ensuring a safe exit path in the event of a fire, halting the progress of an intruder, or assisting with crowd control.

Jeffrey Swaim, Director of Channel Sales and National Accounts at Qognify, comments: “Ocularis 6.0 will provide our partners with capabilities that align our end-users’ outcomes with state-of-the-art technology.  This customer-focused approach will be instrumental for Qognify and our partners in expanding our footprint in key vertical markets, where Ocularis is strong, such as K-12, State and Local Government and Healthcare.

A challenge for many surveillance operations is dealing with the high number of requests for camera footage by law enforcement agencies for use in investigations. With Ocularis 6.0, operators can quickly create an ‘evidence story’ extracted from the recordings of multiple cameras (if required). Using the new one-file video export function, the footage is readily available for sharing in a single compressed and secure file. To ensure sensitive and confidential information isn’t disclosed when handling CCTV requests from the public, Ocularis includes a masking feature, to easily block content within the footage, so it isn’t visible in the exported file. Ari Robinson, Head of Ocularis Product Management, adds: “We are supporting our customers in achieving the highest standards of privacy where it is required and use the strictest data protection regulation in the world as a benchmark.

Qognify is committed to improving system performance and security. To this end, Ocularis 6.0 has received an upgrade to its Auto Updater functionality, making it more powerful and clearly showing the update status of the entire system. The technology, developed by Qognify and used across its video management portfolio, ensures that customers with a valid Support & Maintenance Agreement (SMA) can keep their VMS up-to-date and benefit from newest camera technology. The security level of the platform has also been hardened with multi-factor authentication capabilities, using Cisco Duo for logging into the Qognify Web Client, enhanced password encryption, the ability to change camera passwords and an automatic log-off feature (based on a duration of inactivity), which supports HIPAA compliance and minimizes the risk of unauthorized access.

There is also good news for organizations using Immervision 360° cameras: Ocularis 6.0 now remembers dewarped locations and automatically loads preferences, making manually re-positioning cameras at every login a thing of the past. Qognify is also providing consistency across its entire VMS portfolio, with Ocularis 6.0 now being ONVIF G compliant.

Robinson concludes: “The new additions and improvements introduced in Ocularis 6.0 are a further demonstration of Qognify’s research and development strength. We’re able to draw on innovations developed across our entire video management portfolio to bring new innovations to market, setting a new standard in VMS.

Availability

Ocularis 6.0 is now available from Qognify. Current customers with a valid SMA can already download and install the update.

New Release: Cayuga R16

Qognify – the trusted advisor and technology solution provider for physical security and enterprise incident management – today anounced the launch of the Cayuga R16 video management system (VMS). The latest update focuses on improvements for the beating heart of large physical security environments – the Control Room. Cayuga R16 makes it easier for security staff to react, with new features and functionality including Advanced Maps, Patrol in Tiles and Dynamic Camera Layouts, delivering a more comprehensive overview in real-time – allowing for quicker response and thus reducing the impact of incidents.

Cayuga R16 builds on the introduction of the “Advanced Map Center” in the R15 release, launched earlier this year. This new mapping functionality has been enhanced and now allows for the automatic positioning of sensors in maps using geo-coordinates. Cameras, alarms and buttons, as well as event items can now be displayed on the ArcGIS maps provided by ESRI within Cayuga. In addition, when using the Qognify Mobile Client (also added to Cayuga earlier this year), cameras can be located on a smart device via Google Maps. These advanced mapping capabilities make it easier to quickly access a relevant entity and maintain an overview of the exact location of connected devices.

The new “Patrol in Tiles” (or Carousel Mode) functionality allows virtual patrols to be performed within single video tiles, freeing up space on the video wall, to ensure that the display and monitoring of live camera feeds can happen simultaneously. This is a significant improvement for the control room staff, who tend to be under pressure to perform with limited operator and/or video wall resources. Further video wall improvements are now possible with “Dynamic Camera Layouts”: By dragging additional cameras from the system tree into a grid view displayed on a monitor, the grid is rearranged, and further camera tiles are added – on the go and without changing the default settings of the particular view. Adjusting views has never been easier, saving time to respond to what’s actually happening.

In addition, Cayuga R16 is now compliant with ONVIF Profile S and G. It also supports extended functionalities of Dahua Thermal Cameras for body temperature scanning, as part of organizations’ COVID-19 operational response strategies. Behind the scenes the performance of Cayuga has been optimized in R16 by reducing the amount of data exchanged on management servers. There has also been a further hardening against cyber-attacks (building on the cyber security release of Cayuga R14 in October 2019) with important Common Vulnerabilities and Exposures (CVE) updates.

Carsten Eckstein, Head of Product Management for Cayuga at Qognify states: “This year Qognify has made significant enhancements to Cayuga and the improvements in R16 continue our innovative roadmap to always release a new VMS version that responds to the ever-changing demands of multi-site corporate and enterprise projects. Many of the new functionalities that we incorporate into our software today are a result of our ongoing cross-product initiative that enhances the customer experience across our product lines. We will continue on this path, always with our users in the focus, enabling operators to undertake their duties with optimal efficiency and make faster, more informed and impactful decisions.

Availability

Cayuga R16 is available now from Qognify. Current customers with a valid Software Maintenance Agreement (SMA) can download and install the update manually, or if updated from an installed base via the built-in Auto Updater.

Dear Customers and Partners of Qognify,

In these times that can only be described as extraordinary, we recognize that the increasing spread of COVID-19 is creating a lot of uncertainty and a major impact on our everyday lives. Many of us are feeling anxiety and concern for the health of ourselves, our family, friends, work colleagues and the broader community, especially for those in more vulnerable groups. At the same time, we as a company want to continue to help our customers and partners and do our part to keep the world moving.

Health and well-being should be the priority for all of us at this time. Our primary goal as a company is to protect the health and safety of our customers and partners, our employees and their families. However, as a provider of security software solutions we feel obliged to support you as our customers and partners in these times of uncertainty when security plays an even more important role for your organization. We have therefore taken a number of measures to protect people while maintaining our operations.

  • Continued operations and support. We made sure that we have the necessary resources and capabilities to provide services remotely and to continue the support for our customers and partners. At this time, our offices remain open. Most of our employees have the opportunity to continue their work from home. If regulatory directives or suspected cases of infections will result in further offices being closed, we are prepared to continue our operations remotely in a secure way. This of course includes our hotline services – we’ll be there for you!
  • Precautionary measures. All international and domestic travel is limited to absolutely necessary trips to serve our customers. As a company we of course adhere to all travel regulations and limitations issued by local and federal administration. We have also cancelled most Qognify events and event participations until mid of April. As we have advanced web conferencing infrastructure in place, we are happy to turn face-to-face meetings into web sessions so your business can continue.
  • Constant monitoring. We are closely monitoring reports from World Health Organization, the US Center for Disease Control, the European Centre for Disease Prevention and Control as well as federal, state and local agencies and authorities, following their recommendations to keep the risk for our customers and employees as low as possible.

Please reach out to your contacts at Qognify in case of any questions or if there’s anything we can do to help. We hope that you and your loved ones remain safe and healthy.

Regards,

Steve Shine
CEO Qognify

 

Pearl River, New York, August 12, 2020 – Qognify – the trusted advisor and technology solution provider for physical security and enterprise incident management – today announced the appointment of Jeff Swaim, as Director of Channel Sales & National Accounts, Americas. He joins Qognify with a focus to drive the sales performance for its Ocularis video management system (VMS), as well as defining and delivering growth strategy for the company’s National Accounts Program.
Jeff brings more than 18 years of experience to Qognify, holding sales and leadership positions in the security and video surveillance industries, including leadership roles at US Army, Matrix Networks, and Hikvision USA He joins Qognify from Avigilon where he held the role of Director, Strategic Accounts North America.
At Qognify, Jeff will be reporting directly to Jeremy Howard, Vice President Physical Security Sales, Americas, who comments on the appointment: “Working with Jeff previously, I was impressed by his deep industry relationships, his sales experience and his leadership style, and the impact these qualities had on sales performance. He is a real asset to the business and will be instrumental in Qognify meeting and exceeding its aggressive growth plans.
Jeff states: “I have long been impressed by the innovation coming from Qognify and how in tune it is with the changing demands of physical security, particularly in areas of real-time monitoring and tactical operations.” He adds: “I relish the opportunity to grow the already impressive list of enterprises and large-scale corporate accounts that have put their trust in the Ocularis. It is a VMS that enables organizations to utilize best-of-breed technologies and unify disparate video surveillance architecture in a single intuitive system, which can adapt and expand as the environment dictates.
 
About Qognify
Qognify helps safeguarding your world, focusing on the outcomes of customers, who place a premium on physical security. Providing solutions to mitigate risks, increase security and optimize operations, Qognify serves thousands of customers all over the world as a trusted advisor. The comprehensive portfolio of Qognify contains physical security and incident management solutions, which create add value for many sectors including manufacturing companies, transportation authorities, retail chains, banks and other financial institutions, ports and seaports, logistics service providers, schools and universities, correctional facilities, critical infrastructures and cities. Headquartered in Pearl River, New York, Qognify operates major development hubs in Germany and Israel as well as sales and support offices around the globe.
Media Contact:
Andreas Conrad
Head of Marketing
Email: marketing@qognify.com
Phone: +49 (0) 7251 9290-511

Pearl River, New York, August 12, 2020 – Qognify – the trusted advisor and technology solution provider for physical security and enterprise incident management – today announced the appointment of Jeff Swaim, as Director of Channel Sales & National Accounts, Americas. He joins Qognify with a focus to drive the sales performance for its Ocularis video management system (VMS), as well as defining and delivering growth strategy for the company’s National Accounts Program.
Jeff brings more than 18 years of experience to Qognify, holding sales and leadership positions in the security and video surveillance industries, including leadership roles at US Army, Matrix Networks, and Hikvision USA He joins Qognify from Avigilon where he held the role of Director, Strategic Accounts North America.
At Qognify, Jeff will be reporting directly to Jeremy Howard, Vice President Physical Security Sales, Americas, who comments on the appointment: “Working with Jeff previously, I was impressed by his deep industry relationships, his sales experience and his leadership style, and the impact these qualities had on sales performance. He is a real asset to the business and will be instrumental in Qognify meeting and exceeding its aggressive growth plans.
Jeff states: “I have long been impressed by the innovation coming from Qognify and how in tune it is with the changing demands of physical security, particularly in areas of real-time monitoring and tactical operations.” He adds: “I relish the opportunity to grow the already impressive list of enterprises and large-scale corporate accounts that have put their trust in the Ocularis. It is a VMS that enables organizations to utilize best-of-breed technologies and unify disparate video surveillance architecture in a single intuitive system, which can adapt and expand as the environment dictates.

Our team is committed to continually enhancing our solutions to offer our customers the best user experience and tools to meet their most complex security needs. As such, we are pleased to announce the release of Ocularis 5.9 and share the newest functionality available. With the new release, we’ve focused on improving the overall usability of the system with enhanced visualization options, revised web and mobile clients and more powerful export functionality.
A highlight of this release is the new Qognify Mobile Client, which offers an easy and comfortable way to access Ocularis. Whether you’re using WiFi or a mobile data connection, the application gives users instant access to their video installation(s) on-the-go, using a smartphone or tablet. The application can be used to view live camera footage or archived video data and allows for the export of video in AVI-format to share footage on the move. This is the first outcome of our cross-product initiative to establish best-in-class technologies across our portfolio making it easier for you to benefit from new innovations.
Other functionalities include the triggering of events and receiving alarms directly on the mobile device.
What else can you expect from Ocularis 5.9? 

  • New Qognify Android and iOS applications
  • Flexible user management
  • Proper support for Enterprise Active Directory deployments
  • Custom view layouts
  • Additional ways to control Ocularis Video Wall
  • Enhanced views administration
  • Searching in Ocularis client
  • Fast Creation of AVI Exports

 
For more detailed information on all the new features in Ocularis version 5.9, view the full Release Notes. Ready to download Ocularis 5.9? Download it today.
For any questions you may have about the new Ocularis please contact the Qognify Technical Support team at                (845) 732-7900, option 3, or email SupportOC@Qognify.com.

Bruchsal, Germany, June 11, 2020 – Qognify – the trusted advisor and technology solution provider for physical security and enterprise incident management – today announced the launch of Cayuga R15. The new release of Qognify’s video management system (VMS) for multi-site corporate and enterprise projects focuses on enhanced usability and connectivity, improved maintainability and intelligent analytics.
One of the main goals while developing Cayuga R15 was to help security personnel quickly identify, locate and evaluate an event. This can present a real challenge when operating large systems with widely distributed locations and a large number of cameras. Cayuga R15 solves this problem by supporting the use of the powerful Esri ArcGIS mapping platform, enabling cameras to be positioned on a map and available globally – depending on access rights. Multiple views or areas of interest within one map source as well as the clustering of icons depending on the zoom level make it easy to keep the overview on the map at any time.
The new Qognify Mobile Client is another powerful tool added in Cayuga R15 that improves the ability to respond to an event. The Mobile Client is the result of Qognify’s cross-product initiative, to combine the benefits of technological assets within its VMS portfolio. It can connect to Cayuga and Ocularis installations using a smartphone or tablet, enabling security personnel to view live streams as well as to browse and playback recorded footage remotely in a totally revamped, intuitive design. It is available for iOS and Android devices and can be downloaded from the App Store or from Google Play at no additional costs.
For organizations, such as those in the retail sector, that often need to export video in a way that does not infringe privacy rights, Cayuga R15 adds a new Export Designer. This software module enables the editing (blurring and/or masking of moving objects and static areas) of video sequences to be exported. This new functionality is complemented by an optional Export Validation Tool that can be used to easily check that exported footage supplied for the purpose of evidence has not been tampered with.
Many other changes, big and small made it into the release. For enterprise customers there is a new time management feature that enables the use of multiple distinguished holiday calendars within one organization. Active directory management has been further improved and now offers even deeper integration for setting user rights directly in Windows. And finally, for customers relying on video analytics as part of their security regiment, Cayuga R15 now uses deep learning-based AI to deliver optimized object classification. This helps to set up video analysis faster and mitigates false alarms caused by common occurrences such as insects and headlights.
Carsten Eckstein, Head of Product Management for Cayuga at Qognify is proud of what his team achieved for this latest version of the product: “The additions and enhancements in Cayuga R15 are in direct response to the feedback from our partners and customers. This is the first release, where Qognify’s new development philosophy, to look beyond one specific product, has been put to practice. I can’t wait for Cayuga customers to start using R15 but it is equally nice to know that also those users who rely on other Qognify products will profit from the work we have accomplished here in their Qognify system of choice.
Cayuga R15 is compatible with Qognify’s innovative Umbrella web-based platform that can be used to configure, manage and monitor all connected Cayuga systems centrally. It also integrates with its Business Video Intelligence (BVI) software, which combines video footage from Cayuga with transaction data from business-related IT systems to create new levels of information to optimize business processes.
Availability
Cayuga R15 is part of Qognify’s comprehensive video management portfolio that includes VisionHub, Ocularis and NiceVision. It is available now in 15 languages and is SIRA (Security Industry Regulatory Agency) compliant, enabling it to be used in public projects in Dubai and the wider Gulf region.
A couple of things to keep in mind before updating

  • 32bit support is discontinued with R15
  • Object Video is discontinued with R15
  • Windows 7, 8 and Windows Server 2008 are discontinued by Microsoft and thus not supported by Cayuga R15 anymore

Bruchsal, Germany, June 11, 2020 – Qognify – the trusted advisor and technology solution provider for physical security and enterprise incident management – today announced the launch of Cayuga R15. The new release of Qognify’s video management system (VMS) for multi-site corporate and enterprise projects focuses on enhanced usability and connectivity, improved maintainability and intelligent analytics.
One of the main goals while developing Cayuga R15 was to help security personnel quickly identify, locate and evaluate an event. This can present a real challenge when operating large systems with widely distributed locations and a large number of cameras. Cayuga R15 solves this problem by supporting the use of the powerful Esri ArcGIS mapping platform, enabling cameras to be positioned on a map and available globally – depending on access rights. Multiple views or areas of interest within one map source as well as the clustering of icons depending on the zoom level make it easy to keep the overview on the map at any time.
The new Qognify Mobile Client is another powerful tool added in Cayuga R15 that improves the ability to respond to an event. The Mobile Client is the result of Qognify’s cross-product initiative, to combine the benefits of technological assets within its VMS portfolio. It can connect to Cayuga and Ocularis installations using a smartphone or tablet, enabling security personnel to view live streams as well as to browse and playback recorded footage remotely in a totally revamped, intuitive design. It is available for iOS and Android devices and can be downloaded from the App Store or from Google Play at no additional costs.
For organizations, such as those in the retail sector, that often need to export video in a way that does not infringe privacy rights, Cayuga R15 adds a new Export Designer. This software module enables the editing (blurring and/or masking of moving objects and static areas) of video sequences to be exported. This new functionality is complemented by an optional Export Validation Tool that can be used to easily check that exported footage supplied for the purpose of evidence has not been tampered with.
Many other changes, big and small made it into the release. For enterprise customers there is a new time management feature that enables the use of multiple distinguished holiday calendars within one organization. Active directory management has been further improved and now offers even deeper integration for setting user rights directly in Windows. And finally, for customers relying on video analytics as part of their security regiment, Cayuga R15 now uses deep learning-based AI to deliver optimized object classification. This helps to set up video analysis faster and mitigates false alarms caused by common occurrences such as insects and headlights.
Carsten Eckstein, Head of Product Management for Cayuga at Qognify is proud of what his team achieved for this latest version of the product: “The additions and enhancements in Cayuga R15 are in direct response to the feedback from our partners and customers. This is the first release, where Qognify’s new development philosophy, to look beyond one specific product, has been put to practice. I can’t wait for Cayuga customers to start using R15 but it is equally nice to know that also those users who rely on other Qognify products will profit from the work we have accomplished here in their Qognify system of choice.
Cayuga R15 is compatible with Qognify’s innovative Umbrella web-based platform that can be used to configure, manage and monitor all connected Cayuga systems centrally. It also integrates with its Business Video Intelligence (BVI) software, which combines video footage from Cayuga with transaction data from business-related IT systems to create new levels of information to optimize business processes.
Availability
Cayuga R15 is part of Qognify’s comprehensive video management portfolio that includes VisionHub, Ocularis and NiceVision. It is available now in 15 languages and is SIRA (Security Industry Regulatory Agency) compliant, enabling it to be used in public projects in Dubai and the wider Gulf region.
A couple of things to keep in mind before updating

  • 32bit support is discontinued with R15
  • Object Video is discontinued with R15
  • Windows 7, 8 and Windows Server 2008 are discontinued by Microsoft and thus not supported by Cayuga R15 anymore

How does a large national bank reduce false alarms by 97%, increase the efficiency of its security operations by 48%, decrease its costs per site by 34%, all while reducing personnel costs by 23%? The secret behind these impressive results in banking incident management was revealed during a Qognify webinar, featuring special guest, Julio Molano, CEO of the Bogota, Colombia-based security services company – Siete24.
In conversation with Qognify’s Nick Karakulko, Julio took attendees on a fruitful journey from 2014 to present day. At the time Siete24 began working with the bank, it was operating 800 branches, 27 offices and 3200 ATMs, all requiring round-the-clock protection. Their security infrastructure included more than 90,000 sensors, 15,000 surveillance cameras, 3,000 DVRs and 1,500 access points. The bank was managing this expansive enterprise by operating five independent systems, using legacy software and was heavily reliant on the knowledge of its operators. Julio highlights the scale of the challenge: “In 2014 the bank was receiving two-million alerts per month, which was far more than it could effectively handle.”

Anticipating Future Incident Management Needs

With the bank planning major expansion, they needed a solution that would not only deliver immediate benefits but have the ability to scale significantly. The solution that met this need was the market-leading enterprise incident management system – Qognify Situator.
Situator is tried, tested and proven in the banking sector, and this was an important consideration in selecting the system. Used by Millennium BCP in Portugal since 2011 (case study), Situator reduced their false alarms from more than 20,000 to 1,200 per annum.
Since Siete24 began its work with the bank six years ago, the scope of the project has grown. The number of sites being monitored doubled and the volume of sensors increased by 50%. “Today, Situator is handling up to 18 million alerts per month, of which 71,200 are verified and 109 confirmed as an incident. Each incident is managed using best practice procedures we have defined within the system,” explains Julio. “Despite this dramatic increase in the size of the project, our average response time to critical events has fallen from five minutes in 2016 to just 50-seconds in 2020. We have found that the more alerts we process the more efficient and effective we become.”
Situator has created such a positive impact on operational performance, the bank recently extended its contract with Siete24 for a further three-years. Julio concludes: “The bank requires that we have 99.9% availability, and we are financially accountable for any losses. Situator has not only met our service level obligations but has given the bank far more than it anticipated.”