Mr. Michael Buckley:

Sure. But I don't know that it was being flagged in such an urgent way that it required a presentation the next month. I don't know, Deputy. I mean, I think you make a fair point. I just don't remember why it took eight or nine months but when it came it was an incredibly detailed presentation, which is maybe one part of the explanation, and the credit people as well as the business development people were there together so that everybody on the board could get a sense of the balance.