Mr. Cormac McCarthy:

I mean, sometimes I wouldn't have been involved in loans of that case. So if, for example, the credit committees were lined up appropriately or due to meet, it's possible that the process could work that way, but the process had to work.

My expectation, given as a former chair of RBS credit committees with the difficulty there was in convening those kind of committees, that it would've taken more than a couple of days to get that organised.