Mr. Michael Fingleton:

Yes, I can't speak for individual members of the board but it was never discussed, as far as I recall, at any board meeting. And they would have been reassured by the fact that since 1992 to the end of 2007, that there was little or no bad loans within that book. And, furthermore, you've mentioned ... they would also be comforted by the fact that our book was being turned over by .... every three years, and it was relatively low risk in the sense that even their land development loans embraced just planning, mainly - getting the planning and then refinancing it with another institution to take on the big risk, which was the construction risk.