Mr. Dermot Gleeson:

Yes but hold on a second. "Manage it tightly" does not mean do not extend the exposure, with all due respect. "Tightly" means that you apply the proper credit standards and you know ... this was part of the bank obviously, the Republic of Ireland property book. But the property book in the Republic of Ireland never contributed more than 15% to the overall profits of the bank. It brought the bank down.