Mr. Gary McGann:

It wasn't open to the board to change the model, if you think about it. I mean, there was a business model that really had to be sustained, so the focus then was on where lending was made. There was obviously the challenge of curtailing or stopping the lending which would actually become a self-fulfilling prophecy in terms of the demise of the business. There was the whole area of having to ensure that we could source funding to sustain the business.