Mr. David Doyle:

Yes, but you were talking about the twin-track approach. Just dealing with that track, in the middle of the year, there was corrective action taken. There was a squeeze put on everything. At the end of September, there was a slide taking place in revenue. There was a budget coming up to address that slide that would be followed up in the months that followed. The real crisis on the banking front, it was beginning to emerge, but it didn't cascade until that weekend.