Mr. Richie Boucher:

Well, it was their adherence to credit standards, so it was their adherence to documentation issues and equity release, seeing preconditions, I believe, and I still believe now. So if I saw that information now today that it ... would I have said is it because ... is it specifically related to their lending to hairdressers, property, - no. I would just say like they're not adhering to credit standards, credit policies. We need to help them with their credit skills, and we need to put in more rigid processes.