Mr. Brian Goggin:

Certainly not in 2007. In 2008 we would have, you know, ourselves begun to realise that the economy was beginning to slow down quite significantly and unemployment was beginning to pick up, that property prices were beginning to slow. I mean the period up until September '08 I think the property prices, residential property prices should I add, had only declined by 8%. But no, PwC wouldn't have from my recollection expressed a particular concern other than the one we ourselves would have been dealing with as a management and as a board.