Mr. Patrick Neary:

I'm struggling with the word "reckless" because that's ... that seems to me to imply that a deliberate ... a deliberate effort was made to grant loans without any assessment of the risk, or perfection of the security, or any attempt to have regard to the shareholders' interests that we talked about already, or deposited ... deposits ... depositors' interests. I mean, if there was reckless lending, I mean, as I kind of outlined there, we're almost into the area of fraud and criminal behaviour. I mean, if we were to go down the road of describing something-----