Okay, Bank A's granted 100 million of auto loans, and, oh no, it looks like there's been some objective evidence of impairment. It looks like there's been some kind of loss event on row six. And in fact, under IFRS 9, we'd classify this at stage three. So we need to create an expected loss provision based on the lifetime information. So let's go and grab the gross loan amount of 100 above. And if we're gonna calculate the expected credit loss provision, we better go and grab that gross loan amount and multiply it by the lifetime probability of default and multiply that by the lifetime loss given default, so we've got 0.8. Now of course, our net loan is gonna be the gross loan subtract the expected credit loss provision. And now we need to think about interest income. Now, let's be honest here, if we've had this loss event that we know we're not gonna collect all of the principle, so of course what we absolutely must do under IFRS 9 when we calculate interest income, is grab the interest rate, here we've got 10%, and multiply that out by the net amount. Hopefully you can see that it just wouldn't make sense to multiply it by the gross amount if we've had an actual loss event and we know we're not gonna collect all of that principle. And I think it's worth saying that the treatment here, grabbing the net loan amount, is in fact different to the treatment that we saw under stage one and stage two.