Mr. Robert Gallagher:

The mortgage part of the business wasn't part of the business that reported to me, but my own view, Deputy, is that a 100% product is not a product that really, as we look at the world now, should exist, so it was of its time. As a board member of the bank, it was a constrained-in-size and well monitored product. That's all I really have to say, yes.