Mr. Kieran Wallace:

The Deputy is correct to suggest that there are certain circumstances in which we act as receivers to certain individual borrowers in IBRC. We agreed at the time that when such cases come back to the credit committee in the normal course of events, myself, Mr. Richardson and Mr. Hansen - another colleague of ours who sits on the credit committee - would step down from the credit committee for those cases and would not be part of the quorum. It was agreed that in such circumstances, the credit committee would assess them independent of us.