Mr. Donal Forde:

Yes, I think that suggests wrong. What I'm trying to convey here is, when times are good, a banker's instinct is to put money aside. The rules were specifically designed to disallow you from putting money aside, so we always felt that, look, this isn't a clever formula. And, with respect to the specifics, we would have been obviously of a much stronger mind to have a greater quantum aside in late '07, in '08, than would have been the case in '04, '05 and '06.