Mr. Donal Forde:

Let me try and answer it this way, I suppose the first thing to say is I think he's ... I take his reply to mean that he's speaking in the context of the performance of the bank, such things as share price performance, and so forth. In a way that was up there, if I can describe it in those terms. At my level, Anglo was just one of a number of people that were very aggressively targeting our business. I would have gotten no direction to deal with any one competitor more than another. I would have constantly been relaying information about threats or inroads in our business from Anglo, yes, but Bank of Scotland, Ulster Bank, Danske Bank, Bank of Ireland, so I wouldn't have held Anglo in any particular place from my perspective. From his, I suspect that in terms of accounting for the performance of the bank to the investor community, would be a constant thorn in-----