Mr. Brendan McDonagh:

I've often asked myself that question, Deputy. I think it was by the nature, is that there's probably ... you had the big names, who are probably household names, who were involved in the big projects, and they borrowed a huge amount, as set out in the table that I mentioned in my opening remarks, in table 1, but I think you had to follow on effective people who were probably in the ... maybe some of them were in the building ... I'd say in the top 100 debtors, or the top 180 debtors in NAMA, they had some involvement previously in the construction industry and they were involved in some scale development; they might have been house builders and then they branched out into building offices or, you know, building a hotel or whatever the case is, but I think, in the ... certainly in ... after the top 180 debtors, a lot of the debtors there were ... the next, you know, 600 or so debtors, they really had ... very few of them seemed to have any expertise in construction.