Mr. Mike Aynsley:

From a cultural perspective and talking to the people who were there I don't see how it could have been. As I say, you know, the risk people viewed themselves and were considered like second class citizens. They had processes and they went through processes but it was more finding ways that they could do the transactions, rather than examine the risks in the transactions and then overlay that against where they believed the market was going. So, I think it would've been a very difficult thing for a good risk person to be involved with.