Mr. Michael Walsh:

Well, you know, my recollection is that the society actually had higher levels of provisions, some of which it actually had to release as a result of that. But, I think, you know, if you actually go forward to ... whatever, kind of ... September of 2008, the society estimated what the worse case was going to be for the 2008 year in relation to impairments or provisions and was absolutely spot on in relation to that. If you contrast that with, say, the other society, the other society, in July of 2008, you know, had estimated-----