Mr. David Duffy:

I think the whole asset class contributed in many different ways, but certainly it was additionally exacerbated by large concentrations with individuals were effectively in a risk scenario like that, bankruptcies and even personal guarantees weren't going to be viable and so you were liable to lose a more material amount of the individual loan that was lent to a person in a large exposure category. So I think it can have, certainly an exacerbating influence.