Mr. David Duffy:

No, as I was saying, I think determining to be clear, I was saying that although the term "reckless" was used, it is not a term I could apply or comment on. So to be very specific on that, I am saying I couldn't comment on the terminology. I would talk about the asset concentration being the challenge that the bank faced, rather than any individual loan being reckless, or whatever the word would be used. So I don't have an opinion on the word "reckless".