Mr. Paul Dobey:

Because our role relates to a point-in-time view of financial statements. I also would point you to some of the comments we've made earlier on in relation to the risks we were highlighting over the period and also the dialogue we were having with the Financial Regulator, particularly in 2007 and 2008. And if you're asking me did I have a crystal ball in 2004, I'm afraid I didn't.