Mr. David Gantly:

Absolutely. So, we would've had a long-term debt profile somewhere out the region of probably about ten years, typically, and we purposely set it up like that because one of ... obviously every year when you sit down with the funding you're looking at your new lending growth and you're looking at the refinancing of maturing debt. So, we looked to stagger the refinancing risk to try and mitigate that. But, as I said, as we moved into, sort of, late '08, you know, all of the markets were just ... were just ceasing so the problems were getting worse. So I'm not saying that there wasn't potentially ... looking into it post-Lehman you're looking down saying "Well if this doesn't stick well it's going to cause problems", absolutely.