Mr. Richard Burrows:

Well it wasn't ... it wasn't a matter of our stewardship and it wasn't a matter of our management. The problem that you're referring to was something which was dealt with ... being dealt with, as I understood it, by the Central Bank ... with them. And that's how we came to come into it. Having been asked to come into it, we decided that there was nothing we could do and that was the end of it, as far as we were concerned.