Ms Ethna Tinney:

You see, I thought of it as divide and conquer, that ... the way it was done. And, you see, it's very interesting, because I want to answer your question, but when the whole idea of setting up a board credit approval committee was mooted by Joe Ryan back in April 2003 - and I wasn't one of the first members on it - you know, he does say that ... he talks about the-----