Mr. Gerry Fitzpatrick:

The process of? Yes, is the answer. The process of understanding the credit cycle, it's hugely important to our understanding of the organisation. They had a quite a sophisticated credit control risk framework around the organisation, including a risk policy, so that cascade from the group audit ... or the group credit committee in Royal Bank of Scotland down through various tiers, was an important part of understanding how that operated. So the infrastructure for risk and control was important. Ultimately, I suppose, any system is only as good as the people who are ... and the assumptions they have underlying it, so we understand the ... now that certain events happened that caused some of the credit risk decisions to be ... to be flawed, and assumptions they made to be seriously flawed but at the time, yes, we were looking at the credit provisioning ... or credit underwriting process, and understanding how that was reflecting itself in properly disclosed financial information.