Mr. Tom Browne:

Because, again, to give an example of that, you know, if the credit policy was no more than 75% loan-to-value and if through the process of approval, you know, a credit came up where it was 80% loan-to-value, it was highlighted at, you know, at the approval stage and a decision would've been taken based on the, you know, ... could be on any whole host of reasons why the loan would be approved on, you know, at an exceptional level. So, you know, somebody saying, "Well, the credit policy says 75% loan-to-value but the loan has come up at say 80% loan-to-value", so it's highlighted from the word "go" and a decision is made to approve that based on other, you know, circumstances. So it's clearly identified from the word "go" in terms of that approval. What the discussion around why you would approve it, you know, will depend on a whole range of reasons.