Mr. Cormac McCarthy:

We certainly did ... we put it on the counter, for want of a better phrase. The product ... I'm satisfied that the product already existed and was being accessed and delivered by others. Our policies were such that we couldn't offer it, other than to professionals, so to do it, arguably properly, we had to go through a process and approve it and put it on the shelf. So, yes, we did launch the product in a public way, so ... but to that end, it didn't make significant difference to our market share in time, so ... and the total amount that we lent as a percentage of our portfolio amounted to some 4%, so it wasn't a significant part of our business, as it turned out.