Mr. Donal Forde:

I'm not sure we had an adequate number ... you know, when ... when ... when things get that difficult you never have enough resources. So I think we tried to mitigate that as best as possible by a more centralised approach by relying more heavily on some of the senior lending people who were working, through the late 2008, 24 hours a day, so, yes, there were strains that you wouldn't consider to be appropriate at that point.