Mr. Richard Burrows:

Well, in those cases, of course, the matters are resolved before it ever gets anywhere near the ... the board. That's ... that's the process which was in place at the time, with ... with the step-up where ... where difficulties were incurred ... or encountered at one level of credit committee, the matter was then referred to the next highest level in order for resolution. So, it wasn't a question of waiting until matters got to the board before any remedial action would have been taken. That would have been a matter for management dealing with it as and when it came before them on the agenda.