On one of the questions you were replying to for Mr. McCallum when you were talking about the asset-backed instruments, I think you said some of the instruments were not properly labelled when they finally got to the retailer. I just want you to clarify that. I don't know if I fully understood what you were saying, but basically because the instruments were packaged and set up differently, retailers had a harder time either understanding or even taking action against whoever they were to take action against.
On April 30th, 2008. See this statement in context.