Mr. Michael Buckley:

I was and that was because the regulator had somehow been able to take a view, which somehow we - it would seem our regulator couldn't - that irrespective of that accounting standard which was coming in 2005, that they would put additional provision and requirements on the banks. My view would have been, you know, if that could happen here .. but we were told - I can't remember why - we were told it couldn't happen here.