Mr. Donal Forde:

No, that's not what I've said. People were monitoring it, at a case-by-case basis. The gap was that, from an overall portfolio management, we weren't readily able to present that picture and I guess that only became ... that only came into such ... our focus in late '08 and then it became obvious that that was a piece of information that we needed and needed a lot more ... needed to be able to access a lot more readily than we were able to do.