Mr. John McDonnell:

That policy was applied. That was the rule, if you like. A number of these exceptions could be for ... for technical-type breaches or .. or exceptions. Maybe one of the ... an example would be where you needed to have an income statement for a company and the company had only started trading so there was no income statement. There was all sorts of reasons for the exceptions. A whole plethora of them ... but I would have ... I ... this is the first time I ... when we got the evidence ... this is the first time I've seen this so we wouldn't have been doing comparisons between the exceptions ... between various categories of loans. We wouldn't have seen this before.