Mr. Tony Grimes:

As I said earlier, I participated only in the second half of the 2007 FSR. The FSR was largely in draft form in August 2007 when I took over. It was published in 2000 ... sorry ... in November of that year. The bulk of the drafting was done. There were nuances that occurred subsequently from a board meeting of the bank in September and a short meeting of the board in October but the bulk of the drafting was done earlier.