Mr. Richard Burrows:

If I've given you the impression that we weren't concerned about those issues, then I have, I have misled you. I refer to the fact that in July of that year, for example, the board took the decision that we should pass on our interim dividend and that was a very tangible expression of the fact that we were concerned about capital, we were concerned about worsening bad debts, but not at that point, to anything like the degree that subsequently transpired.