Mr. Richard Burrows:

I don't believe so, Senator. I think ... I can't speak for the earlier period that you're referring to but ... because all the time that I was there the structure on credit control and on lending approval was as I've stated it - a very robust structure within the bank with very clear limits being set at each level of authority, and any question of any of those limits being exceeded then meant that that particular matter had to be referred to a higher level of credit committee for resolution. So I think there was a very robust system in place.