Mr. Richard Burrows:

As I was, yes, and I'm talking about myself. But the fact of the matter is, as I have said, with hindsight, we would've done things differently. We would've looked for more information and it seems to me to be entirely consistent that Mr. Boucher is reporting on a situation where, in the aftermath of what happened in 2008-09, the bank has substantially changed its reporting procedures and structures. And I think that's wise. And I'm sure he's right to have done that.