Mr. Alan Merriman:

----- the latter two, clearly, I was there. No, I'd be very conscious, and I know Fergus Murphy explained it as well, that maybe over the prior six-year period, there'd been 13 credit policy changes. They were clearly all ... "accommodative" would be the word. And I think the market, as a whole, totally understood that. Why did those changes happening? I'll give you a very simple example. We go back to what I call traditional building society lending. People would get 20-year mortgages. Well, 20-year mortgages became 25-year mortgages. Then they became 30-year mortgages. Then they became-----