Mr. Alan Merriman:

Okay. Well, let me ... let me deal with two or three things there. First of all, and I'm ... I want to be very clear ... very plain language - "The Financial Regulator's inspection process is a high level review and does not constitute a detailed examination or audit." That's insurance language, contingency language, you can clearly see from the nature of the findings that they're very forensic and a very detailed review had been undertaken.