Mr. Donal Forde:

I, too, drew comfort. And I think, when you'll see that, if I can just lay my hands on it ... when you see the presentation that was made to the board ... this was a time when there was a lot of discussion going on about Basel II and the manner in which loan portfolios should be measured and evaluated from the perspective of what capital was required to support them. And you'll see reference in this that ... certainly, what was communicated to me, or was communicated to us, was that the regulator themselves recognised that this singular, homogenous limit was no longer appropriate and what was now required - and that was consistent with Basel II - was a segmentation of that portfolio and analysis of the different elements of it from a risk point of view. And that's the exercise, essentially, that the risk function presented. And that ... you will see a reference there that the regulator was interested in that methodology themselves.