Mr. Brendan McDonagh:

No, no. No, we've spent the last five years going through each of the loans, preparing them for sale, or preparing for enforcement, and most of that arose really in the ... probably the 18 to 24 months after acquisition, once we were getting into further detail of managing the portfolios and finding out what the...you know, checking the security further as we wanted to take asset management actions to deal with the assets.