Mr. Michael Fingleton:

No, no. That's why we didn't make progress. That's why we didn't make progress. We'd a very ... as I pointed out, what we didn't engage in, and which caused problems for other institutions following the crash ... we all know about the tracker mortgages, we didn't do any of those. So that wasn't implying, Senator, a loosening of requirements. In fact, we increased them. And at the end of 2006, only 17% - this sticks in my mind - of our home loans was in excess of 90% when 92% was the norm, and that's of our-----