Mr. Brian Goggin:

No I ... I think, you know ... I was involved in this process way back at that time because I ran part of the retail network in ... in the east of Ireland. My ... my recollection of it is that it came at it from the other angle. So Mr. Lynch is a very important customer of ours and he only has one product with us, yet he'd have a profile that suggests he should be eligible ... or might be eligible for this product, that product and the other product. We also had, I suppose, the benefit of-----