Mr. Eugene Sheehy:

Well, there's ... you're asking me five questions, I'll try to ... I paid tax on everything I earned. I made a voluntary reduction in my pension after I left. In relation to the creditworthiness of first-time buyers, we followed a strategy of not following the market. We had, I think, 151,000 mortgages; 2,660 were 100% finance, which is less than 2%; the market was 8%. We monitored, on a monthly basis, what a standard application coming into our counter would be, vis-à-visall our competitors and it was always the lowest. We changed it a little bit towards the end and, if you looked at the published information as at 31 December 2010, in AIB, the 90-day-past-due rate for mortgages, and that's ... 90 day past due is not an opinion, it's a fact - you have to be 90 day past due to be 90 day past due - was 2.5%, which was by far the lowest in the market. Subsequently, it changed when the bank merged with EBS, who had a different rate, but I think the mortgage process in AIB was best in class. The numbers substantiate that.