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Okay. So It truly is seems like then the vast majority of differencebetween the hit that you just pre-declared on November 14 and the actual $one.9billion that you just did was actually far from the CDO, and subprime and much more just aresult of getting a major publish-down to Alt-A and CMBS, is the fact that's honest?

No, It really is truly which the gains had been lesser. The gains werelarger inside the third quarter than they were being during the fourth quarter.

Let me check with you an issue read more in regards to the funds. There may be not alot as part of your release around the stability sheet. Probably you'll be able to speak with us about yourcapital situation at quarter stop, not just in absolute phrases, but in time period of keycapital ratios--how they look at the conclusion of the quarter, supplied the reduction inbook benefit, and kind of how that appears once you then layer during the capitalinfusion that is certainly coming from CITIC, and irrespective of whether we should think that, supplied themagnitude of the charges, you will be money constrained, or no matter whether you shouldwhere you almost certainly haven't got to raise money?

The valuation of our house loan positions demonstrates acombination of observable marketplace information, the decline within the ABX indexes and ourexpectations of housing rates, the falls and cumulative losses.

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I do not Imagine thatthat is usually a risk management failure, if you'll. I believe it truly is, we madejudgments that proved for being inaccurate.

Quite possibly the most useful attribute of BlogStomp is inside the “Freestyle” tab where you can choose a number of shots to build collages. Listed here you'll be able to preview, modify, crop, incorporate textual content, and choose the very best layout to suit your demands. 

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