Mr. Richie Boucher:

Again, it was prior to my involvement, but there was interaction ... we've also disclosed to the committee other documents which would have been our ... the bank at that time's answers to that. But, ultimately, like I've said, Deputy, whereas I think we probably followed the market too much in relaxing our standards, yes, I would concur with that. Whether or not it was taken prior to my arrival or after my arrival, the decisions we took were wrong.