Mr. David Duffy:

Just reviewing the document, Deputy, there, it was agreed that the policy in respect of lending in that sector should be reviewed by the board in the near future, as far as I can read it, so that was a suggestion that sometime in the future it should be looked at it, so there may be reason that I don't understand why it took a while. If it there is an area of concern in a well-practised, well-governed bank, you will tend to respond very quickly, as quickly as required. I don't know the circumstances of that delay but typically you would look at urgent matters on an urgent basis.