Mr. Michael Buckley:

First of all, I did watch his testimony. I don't think he used the phrase "reckless lending", but that's a matter of record. The second ... what I would say is that ... looking at this from my point of view, for that period that I am talking about - I had absolutely no evidence, nor is there evidence in any of the core documents that I have got and received, that there was reckless lending or anything that could be described as reckless lending during those years, 2001 to 2005. That's a categorical answer, no evidence whatsoever.