Mr. Tom O'Connell:

-----from the individual banks. So when even when I said the 65% for example, there was ... there would've been banks around that. So some of them were at 45% and others were probably at 85%, you know. So the thing was completely out of the ball park. No, I had to try to persuade people. I may not have too much written evidence of it, but it was self-evident that things were keep ... going completely crazy. You didn't have to have a research paper to convince people. I mean it was staring you in the face.