Mr. Michael Buckley:

It was run to the very best of my ability and my colleagues. That's not to say that there weren't issues and I have talked about them when asked during the morning, and we did our best at all times to fix any issues that arose at the time and to do it a very open and transparent way vis-à-vis our customers and vis-à-visour regulators. So, there were issues. There were not issues relevant, I think, to the core of what this committee is enquiring about and we did our best to fix them. And there was no evidence, is no evidence, in any of the books I've got that there was reckless lending, or anything that could be approaching reckless lending, in my time as CEO.