Mr. Eugene Sheehy:

Well, there are always actions and, you know, in the risk and credit functions and the sector teams there was constant change in terms of trying to develop better MIS, getting more market intelligence about what was happening. So it wasn't a static thing, it's an organic thing, you're constantly changing ... the market is constantly changing, you're constantly trying to grapple with the conditions when the loan was made, the conditions now, you're reviewing the loan, you're looking at the customer's cash flows, so it's ... it's quite an organic and dynamic process.