Mr. Richie Boucher:

I wasn't aware ... I wasn't aware of the specific concerns there. I was aware that ... when the 100% mortgages were coming, there was interaction between several of my colleagues and the regulator at that time. The bank was uncomfortable with this market practice. The bank sought engagement as to whether or not the regulator felt that they could do something about it, but again I would note that, and I was part of that team, if we had felt so very, very strongly, we could have not participated in that part of the market.