Mr. David Duffy:

I had a peripheral interest because whilst I was not here, I spent my weekends in west Cork, and as those of you will know, you are not short of an opinion in west Cork, so I was given plenty of updates as to what was going on. But on a serious note, I also in operating the role I had, would look at funding allocations around the world for our surplus liquidity and where it would be housed and ,in that analysis, our risk team would come up with, as I referred to earlier, countries that they felt were suffering asset bubbles and asset risk.