Mr. Michael Fingleton:

I mean, even my chairman ... or not my ... the acting chairman at the time, he came on ... he became chairman of the audit committee later on in 2008 and I remember him saying to me that he was very impressed by the discussion of the contribution of the people who attended, and our policy was not just to confine it to the members of the committee. We also brought in, for the sake of efficiency and knowledge and contribution, all the staff that were involved in the lending process in relation to each or that particular loan that was being considered.