Mr. Kevin Cardiff:

Well, I don't know what ... what Peter said because I didn't see his evidence but, as I recall, there were different scenarios in his report and ... including a ... scenarios where you, sort of, support the bank through a process and scenarios where you just let it ... let things collapse or let them fend for themselves in terms of managing these loans. And, as I recall, there were quite different numbers between the two different scenarios. So I don't know precisely which scenario he was talking about when he was talking to you.