Mr. David Went:

No, I had ... as I said in the ... as I think I indicated in the note ... you know, we were a bank that had for 100-plus years provided one in four mortgages, in particular to first-time buyers and this product was aimed particularly at first-time buyers. And, you know, it was ... first-time buyer mortgages would have been about a third of our residential mortgage business, roughly. And being realistic about it, if we could not provide a competitive product to potential first-time buyer customers, we would lose our business and that would be very serious for us in the long run.