Mr. Gary McGann:

I was. I recall issues like this being raised in internal audit as part of the audit process and when they were, they were taken very seriously and they were raised at board and undertakings given by the ... first of all, as you know, the process here would be that management have the right to respond. They would, in most cases, agree that this was the case and agreed actions would be taken, including getting the documentation and an undertaking that this was not going to happen in future. I do recollect at one point basically this becoming a real issue where the chairman instructed the CEO to ensure that no lending would happen without the documentation being in place. So, as-----