Mr. Eugene Sheehy:

Yes. So yes, there were guidelines and they were breached and advised to the board, and discussed at the board and discussed at management generally. What was happening ... if that happened in total isolation of what was happening overall in terms of regulation, I would say the bank was ignoring a guideline, but that wasn't the case. We weren't ignoring the guideline. We were talking to the regulator about the guideline and the regulator was talking to us about the emerging solution to risk concentrations which-----