Mr. Donal Forde:

That's a very sweeping question. I suppose maybe I ... maybe before I answer that, if I explain ... I wouldn't have involvement in individual cases of any description. I had no credit discretion of my own. Credit decisions, there was a ... there was a framework within which they were made. We had a chief credit officer. He sat with the committee, he adjudicated on those cases. I didn't get involved in those cases and I took the view that to do so created some danger that my opinion of a case would sway unduly members of the committee. So I didn't get involved in those. Now, I ... we're dealing with many thousands of customers and can I say that there was a case ... that there weren't cases where something exceptional might've been done? There may well have been but there would be very very few. I mean, those credit committees operated to pretty stringent guidelines from the group credit committee. The product ... their ... the output of their work and the decisions they made on the cases were frequently reviewed by the group risk management ... risk management function. So, you'll see audit reports on the documentation there. The number of exceptions that would arise to policy would be very few.