Mr. Brian Goggin:

Yes, Anglo Irish Bank, you know, was the player in the property market. That's all Anglo Irish did was property. They seized the opportunity, as the economy was reshaping, and I go back again to the comment about the proportion of GDP made up by construction, and Anglo was in there. They were seen by the marketplace in terms of their PE rating, they were acknowledged by analysts, they were you know, acknowledged by everybody. We did not follow them, but we had to recognise them as a bank that had clearly identified an opportunity.