Mr. Donal Forde:

No, I can't say that there was. I can't say that there was. I think the level of growth in the market intensified in '05 and '06, so it seemed like the pace of activity was more frantic, if I can describe it in those terms, through '05 and '06. I didn't ... I can't say that there was a change in the culture of the bank, no. I probably ... sorry, let me just amend that a small bit.