Mr. Brendan McDonagh:

No. I think the ... I mean, the portfolio that we acquired was 56% Ireland and 44% outside of Ireland. The majority - I think around 33% of that 44% - was UK, primarily London. London has been very good to us in terms of the prices that we achieved but, you know, I suppose we have to look at this on the ground and say, you know, we're not ... like, the situation was that, if somebody had borrowed a loan from, for argument's sake, Bank of Ireland and that produced a surplus, he might have another loan with AIB and that produced a loss. The surplus wasn't available to AIB because the surplus ... it mightn't even be aware that he has a surplus on his Bank of Ireland loan, whereas we group them all together and we're able to apply the pluses and the minuses.