Mr. Patrick Neary:

Well, I suppose and I .. I mean ... I don't want to get into any kind of nit-picking either. But let's not assume just for the sake of our discussion that there was a number of issues that we would like to have sanction but didn't sanction., that there was a list that we are saying, ''Here's me list, but, unfortunately, because of resources I can't do it''. I mean, there may or may not have been issues that we wanted to pursue, but if there were issues and if, say, the issues related to lack of control and oversight over, say, the management of the portfolio and sanctions weren't taken and that ... and that bad behaviour continued, well, then, of course, I'd agree with what you're suggesting, that it might have had a bearing on it.