Mr. John Beggs:

I would think ... I would think it was ... a lot of people were just simply doing their work within ... they were, within the division and they were ... in my case they were dealers in the treasury and that's it, you know. On the corporate side, of course they had relationships with corporate banking and retail banking because the customers were ... were really owned, if you like, by the retail or the corporate bank. The treasury service were provided with a treasury to those ... to those customers.