Mr. David Gantly:

Yes, sure. I think one of the documents that you'll have seen in the documents that were submitted to you would have shown that the strategy in the bank ... there was a strategy presentation in 2005 and the drive was towards ... it was faced with ... I think at the time the market share was somewhere in the bank was about 17% and I know, as David Went referred to earlier, the bank always saw itself as having a kind of 20%-25% market share was its kind of target. That's where it saw itself being and the response to that, you know, was to actually go for higher volume, lower margin and there was a migration then of existing customers to the tracker product, okay. So I think with the benefit of hindsight, I think that was not maybe the most perfect strategy to adopt but, as I say, that's with the benefit of hindsight.