Ms Ethna Tinney:

In the early days, I do recall that when we would have presentations made to us by treasury when they were going out on what they called, "roadshows" - they were called,"roadshows" - and that query that you've just asked did come up. And I'm thinking about, say, 2001, 2002 when this really started to rock and roll that the ... we were assured by treasury that anybody whose mortgage was in the pool - they were called, "Emerald", in EBS so Emerald 3, Emerald 4, Emerald 5 - would be notified that this is what was going to happen to their mortgage and if they had an objection, to object.