Mr. Brian Goggin:

You know, I'm not quite sure it was quite as blunt as that. We looked at the entirety of the market. The bank had been involved, and was involved in property over a period of years but this was clearly a market segment that our conservatism had excluded us from to a significant degree and, on examining it, we saw opportunities in it. I think the manner in which we kind of pursued those opportunities were consistent with the economic expansion in Ireland, the building of shopping centres, the building of roads, the building of bridges. This unit was also focused very much on the UK market.