Mr. Mike Aynsley:

But I think this was ... you know, this is ... this was part of an overall issue with ... you know, I go on also to talk about ... in the next example, of an issue around a wish to push us to enter into bilateral transactions. And we took a view very early on that everything that we did in terms of the loan recovery process and the ... in particular, loan sales, needed to be within a proper process, and that process needed to be open; it needed to be transparent; it needed to involve multiple parties, multiple bidders. And there were different ways of constructing sale processes and bidding processes but they were always constructed in ways which ensured that the correct oversight and diligence was conducted around every aspect, whether that was internally or externally or around the individual parties. So for us to enter into bilateral processes and to say "Okay, well, we'll just ... this guy's interested. He's knocked on our door" and move to the point where we negotiate a price for something that we just weren't interested in. And we feel that if we had gone down that pass ... path, it certainly wouldn't have maximised our main metric, which was the value of the loans recovered.