Mr. Paul Gallagher:

Across a range of measures. And they were constantly being looked at, constantly being re-evaluated in the context of the changed conditions. They were constantly being raised and there was constant interaction. And that had been very carefully looked at. I think - and it's not for me, it's outside my area of expertise - but something that I did note and I think is fairly obvious to everybody, that things began to change in September, there were a number of bank failures-----