Mr. Richie Boucher:

Well, the board had decided to delegate to the group risk policy committee and the group credit committee certain decision-making powers. If I look now at the level of reporting, understanding the board has, of credit risk develop, concentration risks, a wide range of risks, the decision-making process that's involved in our risk assessment, if I compare our ICAAP document of 2013, which I provided to committee, to what was provided in the past in the board, there was ... the board didn't seek, and the board was not provided with, a sufficient level of information to make informed decisions on the risks that were being taken.