Mr. John McDonnell:

No. I mean it was the bank's policy and I understand this from speaking to the bank, you know, when I got involved, their policy was to draw their loan policy very, very tight and if there was an exception to that policy, it went to the next level. And part of the reason they would have said to me they had a tight policy is they wanted full ... they wanted greater transparency around individual loans and exceptions. And what really ... what they wanted was a ''two eye'' principle. So you've got a discretion within a tight policy ... you've got a discretion, it goes up to the next level. So two people looked at it - the person at that discretion level and the next discretion level and they wanted ... one of the things that they did say to me ... and this was just after the fact ... they thought about widening the policy but they felt that that wasn't an appropriate decision. This is a better rule. And that's why they would say they got a lot of exceptions at the first level. But, therefore ... but it's not an overall exception because it can be approved at the next level.