Mr. John Beggs:

The internal bank involvement was, I said, when they asked for it or there was a regular ... some things were regular, like stress testing was a regular thing that I did. But everything else was just simply on demand and I didn't determine what it was. I didn't have any customer base. So we produced, you know, comments or maybe presentations. We did plenty of presentations to the retail bank at their request. The information was taken from us and then they made use of it or-----