Mr. Michael Walsh:

I suppose the truth is I don't actually believe that the criteria or the decision making actually changed over the time period. Every single loan that was made, that certainly any one that I was aware of, was always made on the basis of proper consideration. We had a very simple view. We were there, we were trying to make money which would effectively be there for the benefit of members of the society, to strengthen the society and keep it, you know, developing.