It was our way of repaying the area that allowed us to grow.

We have low levels of arrears, strong credit risk management and a low risk balance sheet.

We have started 2006 strongly, with lending performance and pipeline ahead of the good numbers of the comparable period last year.

All the older guys are the ones that are training us now. They all pass it down.

They take off our hair, haircut, the clothing away, had a shower, cold, and they hit us, ... My first impression was, that's ... (what) hell would look like.

They told us to lay down and said, 'If you're going to move, you're going to die.' They were speaking broken English to us and a lot of Spanish to each other.