Mr. Gerry Fitzpatrick:

I don't have the financial statements here but I suppose, I take your word that that's the disclosure so I'm not questioning that. I think the table gives that analysis. Perhaps the narrative could have been greater, I don't think it would have, I think what they're trying to describe is their credit management process, which would include a whole range of things from their appetite to their concentration list. So they're saying they have a process in place, it is not ... the standard doesn't require a narrative to say this is what we currently have and this is what we're currently doing about it, so they're meeting their requirement in describing risk management processes, rather than specific details. If they were to list ... that narrative hasn't been a part of the analysis. Now there are some new standards that have perhaps enhanced some of the risk analysis subsequent to 2007, but again they're still commenting on the data and not giving comment to say, "well we think this is right or this is wrong".