Mr. Michael Fingleton:

Well, if I'd done differently I don’t know what I . . . in hindsight, we all have ... would have done things differently in our lives and in our business lives as well. I would’ve not lent in 2006 or 2007. If we had stopped lending in 2006 instead of 2007 - when we ceased in September 2007 - we would have eliminated totally our commercial book.