Mr. Alan Merriman:

From a credit policy perspective, there was no credit policy that I was uncomfortable with from a loan-to-value or from an income perspective, in terms of interest cover and things like that. From a process perspective, from a talent perspective, from a control perspective, I brought in numerous changes to strengthen the processes and the governance and so forth, but from a credit perspective, if a credit policy was approved at EBS board level, I personally would have been satisfied that it was supported and it was appropriate at that point in time.