Mr. Gary McGann:

Okay, thank you. I acknowledge what Dr. Nyberg has said. Dr. Nyberg reviewed Anglo, I think in 2011, maybe 2012 and, indeed, I met with Dr. Nyberg. And, certainly, the conclusions he has arrived at obviously have the benefit of a holistic look at the bank in the context of what transpired. And obviously he has the benefit of hindsight. And I'm not suggesting that it's the only basis on which he has concluded but, certainly-----