Mr. Michael Buckley:

I think, Deputy, we were ... first of all we were very clear about any control failures that happened during that time. I mean ... so that's the first point I'll make. When the Allfirst treasury fraud occurred over in Baltimore we immediately ... within I would say 36 hours of first hearing that there was an issue, I was on the radio first thing in the morning sizing it, and very quickly then we said we would bring in independent investigators, which we did, of the highest quality, to investigate it thoroughly, and we promised at the very beginning that we would publish all of the findings of those investigations. So, first of all, I think that's a very important governance statement because we were making a promise to shareholders and to customers and to our own people that nothing would be brushed under the carpet, and that is a path that we followed two years afterwards when the FX charges issue came up.