Mr. Eugene Sheehy:

Well, first of all I was glad I was aware of it and that it was formally reported and dealt with, you know, in above-board fashion. I took comfort from the fact that it was in transition and it's not possible to totally ignore the context of what you're doing at the time, which was an absolute change from that model, of a kind of a stock percentage model, to a risk-based model. That was what we signed up for. We were in the process of a formal application to change. We were in constant dialogue about what that involved, how the models would work and the regulator was in touch with us. So, point in time, you know, you can say this was happening but there was also a continuous activity going on, changing from that model to another one, with both sides who were involved in it totally participating.