Mr. Michael Buckley:

Just on a point of clarification because I may not have been 100% clear ... the phrase you used about ,"in a special place", could be misinterpreted maybe.. What I was referring to is that in response to a general request from the regulator to all banks to review their lending policies in relation to mortgages, one of the things that came up before the AIB board, and which was reported back to the regulator, was that we have a particular approach which we applied to the generality of people looking for mortgages, and that includes certain formulae to do with loan-to-value ratio and repayment capacity. What we do then is that in certain cases where we believe, and we're talking about categories rather than individuals, in certain cases where we believe that people's repayment capacity will grow quite rapidly in the future or where they have family support, we are prepared to go to a higher LTV then we generally would, that's what I said. So it wasn't about special cases; it was about categories.