Mr. Tom Browne:

No, it is a true reflection. I remember the conversation. I suppose the first attempt to try to do that was the change of policy in 2006. I remember the board meeting well where it was debated long and hard in regard to the policy change and the policy change was adopted by the board. You know, there was several examples where I saw this market getting seriously overheated. The policy change was an attempt to actually curtail our activity. As I said earlier on, you know, we didn't do it ... we didn't impose that policy strong enough. You know, we continued to support, you know, the bigger clients when we shouldn't have - we should have kept out - and we failed in terms of the implementation of that policy. So, from that ... so, you know, the policy that was brought to the board was the attempt to try to curtail activity and that was reflective of that comment.