Mr. Mike Aynsley:

Yes ... you know ... no, I think it is in certain circumstances and it's an accepted form, not only in banking but in many industries. People that do business together, you know, from time to time they'll get together and they'll have a meal. We had policies in place to make sure that this wasn't excessive. You know, I for example, I think I said in my statement I can count on, you know, two hands over three and a half years the number of lunches and dinners I had with clients and I have to say, you know, always in the company of a relationship manager, someone else from the bank.