Mr. John McDonnell:

-----so there two ... so they'd be two separate risk factors. What we would look at is the risk of material statement. What we would look at is the impairment calculations from the bank and ensure that the impairment calculation of the bank are appropriate to give them their impairment charge and are appropriate to allow us to give a clean opinion on the bank's financial statements and that's very important. But our reporting in the context of property concentration, in the context of property prices, in the context of an expectation gap between incurred loss and expected loss, we would have reported on that to the audit committee, quite regularly during this period, but always in the context of the calculation of impairment because that's what we were asked to do. So when we look at ... our pure focus is "What does that mean in the context of the calculation of a loss, an incurred loss for the period that we are asked to cite our audited opinion?" That's what we look at it.