Mr. Donal Forde:

No. Well, no is the answer, but let me just put that in context. I saw ... it's not ... my responsibility wasn't a one-dimensional one, if I can describe it in those terms, so the risk in our portfolio was one; the profitability that was expected of the division would be another; our relevance to be able to meet the needs of customers was another. There was a general clamour at that time that the domestic banks, AIB amongst them, was losing position and relevance with customers and that other banks coming in from outside were far more relevant. So, in the balance of those things and with the belief that the risk in the portfolio was of the order that's outlined in the stress test that wouldn't threaten our capital, I didn't consider that we were in an imprudent place.