Mr. Frank Daly:

There was an awareness of some cross-lending but I don't think it was common across the banks and I don't think the extent of it across the banks was consistent. I mean Mr. McDonagh may have a comment on this, but certainly I don't think there was anything like the structured approach to cross-lending and examination of cross-collateralisation or of personal guarantees in the banks that ... to the standard ... to the extent, for example, that NAMA put in place when we took the loans across, or to the standard or extent that should have been there in the first place.