Mr. Tom Browne:

Well, the lending function was always, you know, the dominant function in terms of the bank and where it came from. I wouldn't accept that the risk function didn't have, you know, it's independence, staffed up by high-quality people who had the independence to be able to, kind of, decide whether the risk is acceptable or not, and I would've always seen the risk function as being more than capable of actually calling the ... the decision in regard to whether the deal made sense or not from a risk point of view.