Mr. Michael Fingleton:

Lumpy in the sense that we looked for more stratification, like to put in home loans ... under construction, you put home loans separately, you put buy-to-lets separately, you put investment properties separately, retail separately and you apply a factor to them or a limit to them, whereas in the ... historically, they were all lumped into one. Retail would be lumped in and then construction would be lumped in or property and construction lumped into one. So we wanted them to stratified and to apply ... We were looking for that and we did ask ... the regulator was to come back to us on it but he never did and even though we sent a reminder-----