Mr. Mike Aynsley:

Yes, you know, the ... the growth of the books relative to the risk involved in growing them and the risk that's manifesting in the economy itself and how that affects the organisation. And with ... at Anglo, the funding structures, you know, highly reliant on very short funding of assets for a ... extended period of time and the access to global sources that could continue to provide it. So it's sort of like a ... a false belief that you're always going to be able to fund anything, so you just go out and lend. And providing you're lending at a higher rate in a rising market, you're not going to see delinquencies and losses as markets rise and-----