Mr. John McDonnell:

No. We would've reviewed a sample of loans and, coming from that sample, I'm sure there would've been exceptions to the policy as expressed in those papers, and then we would've ensured that the next layer of approval was in place. And if the next ... the way it worked is if there was to be a tight policy drawn, if it came to an individual discretion level, the person had the discretion to approve it if it was in that policy. If it wasn't, it went up to the next level and the next level could approve it. And then once it was approved, it was within the total policy.