Mr. Pat Farrell:

We didn't ... no, but I mean, the only reason I ask that is because it's sort of to me speaks to the fact that we had some kind of deep tentacles into individual banks where we were able to have oversight and drill down into their balance sheets, their business models ... there is no mystery here. I mean, we were a representative body, just like the IFA represents the farming community but do they have deep knowledge of individual farm enterprises and what's happening within those individual enterprises?