Mr. Matt Moran:

Yes. Thank you, Chairman. It was provided to me anyway by the group chief executive and one of the key issues with a CFD, which we learned, was you don't have any rights relating to the share. So the underlying bank can do what they want with respect to the share. They can take the shares. They can use them for some other reason. They can not buy the shares. But in effect what happened in late 2007 and early 2008 and right through 2008 that the market became very focused on share price as a proxy for risk and so you have what's called the VIX index or the fear index as it became known at the time, where that gyrated wildly and if share prices were moving up and down, whereas historically, funders would, I think, have very seldom looked at that, it now became a core area of focus for any depositor.