Mr. Gerry Fitzpatrick:

Yes, I mean, I think the loan impairing ... the areas of focus and the depth and balance of work and where it gets deployed certainly changed. In relation to a major financial institution, loan provisioning will always be an aspect, regardless of the ... kind of ... how the environment is. But as the environment got more and more difficult, clearly greater levels of focus was required in that space, both in terms of the process for identifying difficult loans, understanding how they were managing them, understanding the kind of risk analytics that were required in relation to understanding concentrations. Certainly the ... we, we ... it didn't change the risk, but it certainly changed the focus.