Mr. Brian Goggin:

But, yes, lending ... lending was part of the product suite. It was a significant part of the product suite. I would not go, in all probability ... I'm putting myself back in a position which I can relate to as having been a practising corporate banker, you know, company X plc, you know, they weren't going to take money from me just because I said to them, you know, "You should have money." They had to have a fundamental need. They were either expanding; they were growing; they were acquiring, or they were restructuring their banking facilities. That's what gave rise to the need and I wanted to make sure that I was in that frame when the opportunity came around.