Mr. Tom Browne:

Yes, you know, but the reality of it is, yes, I would say to you, go back to kind of, you know, the period '01, '02, '03, '04, '05. Yes, there would have been exceptions to credit policy. They would have been reported on a monthly basis, just like that report we saw there, okay, and there would have been, you know, a specific reason behind each of those exceptions, why it was an acceptable thing to do.