Mr. Tom Browne:

Yes, because every credit would go up to credit committee for an annual review, so a policy was, obviously, adopted in '08 after I had left the bank where they saw asset values were actually starting to actually decrease and, as a result of that ... because, you know, it says 20% discount, it could have been higher thereafter. So every time a credit went up, it would, obviously, be shown as an exception to actually credit ...