Mr. Gary McGann:

Yes, and I've seen a number of references to this. I have to say, I'm not minded, I certainly don't recollect too many of them being brought to our attention at the time, but obviously high growth has challenges attached to it, but the concept of growth, even in the banking business, subject to proper governance and proper capital adequacy ratios etc., is of itself not wrong. The issue is to be aware of the challenges and risks associated with it.