Mr. Tom Browne:

There would've been a huge amount of discussion around that. It wasn't somebody kind of, as you say, rocking up at 12 o'clock at night to William Fry's. There would have been a massive amount of discussion around an exposure such as that. And then, going back to my point, you know, there was a very formulaic approach from the ground up in terms of, actually, approval of loans. Every loan, you know, went up to credit committee every year for review and every loan was reviewed by risk - in the early days, four times a year, and in latter years, two times a year. And out of those review processes came what probably was the most important management tool, which was the actual watch list. The watch list was, you know, the individual loans on each portfolio that needed attention. The attention was decided by the risk people in terms of what action was ... was to be taken in regard to, you know, correcting the situation that they weren't happy with.