Mr. David Duffy:

Okay, I think I understand a little bit better. I think, from the observations of the previous market, there was a competitive universe, including many overseas competitors coming in with more attractively priced and higher LTV products and driving a market share battle which led everybody down that path. If you look at what are we doing today to be more specific, our position is controlled by our risk appetite. As you've said, I've correctly said, the liquidity in the capital are your baseline thresholds which you must maintain adequate resources for. And then, beyond that when you sell, you can't just sell any amount of anything, there has to be limits within each part of your portfolio and those are strictly monitored and then obviously that's the margin.