Mr. David Doyle:

Well, as I said, credit should have been controlled. It averaged 20% a year for ten years and, what I'm saying, steps should have been taken over the period up to the build-up of that from 1998 to 2006-2007. If you have credit growing, as it was in some years by 30%, 35%, it would seem to me blatantly obvious that there should have been an intervention. Now, what should that intervention have been? If you listen to some people, they say they didn't have the authority. In my opinion, there was authority there.