Mr. Tom Browne:

Yes. No, based on that figure, right, okay. But, you know, again, you know, if you look at that figure there which is, you know ... is you highlighted there ... you know, again it goes back to what's behind, you know, each of those loans, right. Why are they exceptions? If the bank has decided in 2008 to write down, you know, the underlying security by 20%, that, in itself, and you can see the figure there, it went from, what, 28% to 46% over the period of four or five months as a result of the bank deciding that, you know, let's kind of take a 20% haircut in the underlying value of the security, and that's why an awful lot of accounts will end up being exceptions in that situation.