Mr. Fergus Murphy:

Right. There's no one word I could describe, Deputy, to ... or adjective or whatever, in terms of, of what it was. I think it's a conflux of various errors and issues and happenstances and poor strategy. So, I wouldn't describe it in ... with any one word. But, again, how did they get into it? They got into it because they felt they were losing relevance and that they had to create new profit pools, revenue pools, that would sustain their capital base and allow them to continue to have market share, particularly in the residential mortgage marketplace, which, in fairness, is a virtuous multi-decade, first-time buyers, second-time buyers, etc.