Mr. David Went:

Well, I believe so because each ... you know, to the extent that there were, you know, changes to credit policy, they were gone through at an executive level, they were reviewed with the board and, ultimately, the changes in credit policy would have been advised to the regulator. And I think you have somewhere in these papers some examples of changes in credit policy and I presume the reason for having them in here is to show the way in which the thought process, in terms of the changes, operated. And that's, you know ... so every time there was a change in credit policy, a logical process was gone through and the decision obviously at the end was that this was a ... you know, this was not an imprudent way to go.