Mr. Paul Dobey:

I think I'm ... I'm not sure if I was incorrect earlier but what I was trying to say was that trying to get a grip on the losses in 2008 was extremely difficult. I think I said in my opening statement we worked tirelessly until we got to the bottom of that and we got to the bottom of that and we were very comfortable with the loan loss provisions when we got to the end of our audit process. But it was very challenging-----