Mr. Cormac McCarthy:

-----within a very strict and rigorous framework that was joined into the parent. So even if, even if I had wanted to go and grow to your - to use your language, the way you described it - I would not have been permitted to do it because I would have had to be able to fund the institution appropriately; I would have had to make sure that my lending was done appropriately; that my customer acquisition was done appropriately. So, all this tried to do was say if we were No. 1 these ... this is what the numbers would look like.