Mr. Richard Burrows:

I can't actually tell you the level of exceptions, but I do know that there would have been quite a lot of exceptions. And the reason for that is that when you establish policies in relation to credit and lending, you're going to draw the terms of those policies very tightly. And so, therefore, in complex lending situations, it is quite likely that you will find in any particular transaction an exception. An exception doesn't mean that the policy is being infringed, it just means that it has to be referred to a higher level of credit committee within the bank, within the institution in order to resolve whether it is a genuine exception, as in a deal breaker, or whether it is something that arises because of the tightness of the way that the policy has been drawn.