Mr. David Gantly:

Capital home loans was a unit that we had in the UK. There was certainly, I think there was a lot of interest for that at the time. It certainly crossed my mind that maybe it was a good thing to sell. Am I sorry I didn't, sort of, shout louder? Absolutely. Am I sorry that I didn't highlight even stronger in '07 as to what was going on in the markets? I probably am. But, frankly, I saw the issues arising. I don't think ... I'm not sure that I've met anybody who saw the scale of them.