Okay, so what we've got here is Bank A granting a hundred million of auto loans, and unfortunately this isn't great. What I'm picking out here on row six is that there is a pattern of delayed payments in this portfolio of loans. So what does that mean? Has there been an incurred loss event? Well, let's just hold on a minute here. Let's not get carried away. Don't think that we've actually got a loss event as such, but there does appear to be a significant increase in risk. And do you know what? I think we need to think about lifetime losses here because this really looks to be an underperforming loan, classified under Stage Two for IFRS 9. So when you think about lifetime losses, I think we should grab the loan portfolio of a hundred million. Let's multiply that by the 2 percent lifetime probability of default, and then multiply that by the 40 percent lifetime loss given default, and that gives us our expected credit loss provision. Now remember that when this loan was granted, we would've created a provision at that point in time. So this is the new provision. However, the posting that we'd need to record would be the increase from the previous expected loss provision for a performing loan to the expected loss provision for an underperforming loan. So what you're seeing here is 0.8, is the ultimate expected credit loss provision, but not necessarily the increase.