Mr. John McDonnell:

The bank would have had detailed procedures around its collateral and around the information that it gets from its loans. It would've detailed controls in place and we would've looked at a sample of loans. We looked at the operation of those controls. I can't say in all the sample loans that we see ... what we would've seen. But anything that we would've seen, we would've reported up. But I can say the bank had very, very detailed checklists and controls over collateral.