Mr. Tom O'Connell:

It would've been ... I mean, issues about the overvaluation of property and that sort of that thing and the mad lending of the banks ... that would've been ... there would've been all sorts of memos and things flying around the place, but I'm talking about, you know, encountering somebody on the seventh floor going to lunch and I might say ... I would say to them "The banks are going crazy", you know, that something has to be done.