Mr. Donal Forde:

Not very. Well, I made that comment earlier in this respect at diversification between different lines of business, and so there was a very heavy push to try to increase the profitability from deposits, from health insurance, life insurance, from fees and charges, from electronic banking. So, the push was on from that perspective. There was also a focus on trying as best as possible to diversify the loan book. I was more successful with the first of those objectives than I was with the second, and I suppose the reason that I wasn't successful at all with the second was it's rather difficult ... in some respects, you have to respond to the business that your customers want to do. And, unfortunately, property and construction was where it was all happening, so it made it difficult.