Mr. Eugene Sheehy:

We were ... we were not in survival mode. We were managing our assets as best we could and we were reviewing everything. The PwC report was in process at the time. But, like, it wasn't even conceivable that we could take on another risk, for starters. We wouldn't have had the people or the resources to do due diligence on a bank like that, would take, I don't know-----