Mr. Frank Daly:

I think its pretty much dealt with in Mr. McDonagh's statement. The NAMA one is quite clear; we were required to value all of the loans as ... in terms of their valuation in November 2009, so that was a fair value event at that time. And we went through that in a very rigorous way, which I think again is explained in Mr. McDonagh's statement and I won't repeat it. In relation to the banks, again it's the area of they were dealing on their IFRS, they were dealing under IAS 39, which means they were the originators of the loans.