Mr. Patrick Neary:

Well, as I ... as I said, it is ... it is ... I can't conceive of a situation where the regulator would intervene in a relationship between the bank and the client that has a contractual relationship and it's prescribed by the law and if the law allows that relationship to develop, well, you have to live with that. And it is in the context of the performance of that loan and the way in which it's managed that the regulator gets involved.