I think I've explained it fairly well so far. There is no question that there were some issues associated with that particular market circumstance and they were addressed.
On the question of Gibson Capital, we took an honest view that we needed to find an expert firm in this field. Irrespective of the prior employment of some of these people, we felt that this was far enough away and that the work they had done in other fields in risk management gave them a great body of work and credentials.
Personally, I have to say I saw no bias associated with this at all. It was very independent in terms of what they did.