Mr. Joe O'Reilly:

I think the point is that I think I would feel, and I think a number of people would have felt, that it's really ... what was different about this particular crash was the size and the severity of the crash, so, like again, within the crash ... our normal crashes, our normal property adjustments would be somewhere between up to 20%-25%. But I think there was a view taken that because of the quality of the lending against inferior assets, secondary assets, tertiary assets, etc., and the locations in which some of this lending was done, what I mean is not prime, not lent onto prime assets-----