Mr. Paul O'Neill:

One can always learn. I do not want to sit here and say we would not. I go back to the point that we felt we did as much as we could from a robustness point of view at that time. However, we are open to looking to do more in that respect. As my colleague mentioned, when the profit warning came out, it was a clear indicator to us that the problems were happening and the company was not shortlisted on a social housing bundle at the time.