Mr. Fintan Drury:

-----set to ... set aside in that number of cases, then the question does arise: well, does the credit policy need to be changed or does the credit policy need to be abandoned or are we actually just saying, corporately, if you like ... and I don't mean this literally, or is there an acceptance that the credit policy just can't work and we can't work our territory, our market, within that ... within the-----