Mr. Gary McGann:

They were certainly referred to but in many ways, the rating agencies' actions and elaborations were of a business model and business circumstances that had prevailed for many, many years, and indeed the people who continued to put money with the bank, the people who continued to invest with the bank were the same type of people who ... who had been supporters of the bank for many, many years previously. What had changed is obviously the circumstances and the potential confluence of a number of different issues, which is effectively what I was referring to in my, in my initial statement.