Mr. Brian Goggin:

Yes, but, look, I mean, I've been ... I was in banking for 40 years. I was a very experienced banker. Throughout my working life there was an operational gearing in the banking model where banks borrowed short and lend long. You know, banks lend for mortgages. Half of Bank of Ireland's ... or 44% of Bank of Ireland's mortgages ... or 44% of Bank of Ireland's total lending was in mortgages. Mortgages are lent for 25 or 30 years. We didn't have any funding coming anywhere near that maturity profile. So you have a fundamental and structural imbalance in the funding mix in a conventional bank.