Mr. David Gantly:

I would say "Absolutely". I suppose, the issue was a treasury problem, a global treasury problem, so I would say back in mid-'07, you know, there were actions happening in the markets, there were credit spreads were starting to widen, there were markets just starting not to function and things that I'd seen happen for 30 years - you know, normal functioning markets - just really started to implode in a way that I had never seen before.