Mr. Richie Boucher:

The earnings per share growth ... I don't think the property lending was a component, but what I would say, Deputy, is that there was not sufficient cognisance of risk in remuneration. We don't have bonus schemes in place. If and when they do arise in the future, then there will be significant processes for clawbacks, for deferrals, etc. because we have to recognise that loans we put on today, we won't know for three to four years as to whether or not it was the right decision, strategic decisions we take. So I wouldn't categorise, Deputy, that it was the property lending. The earnings per share was a focus, as Mr. Goggin has disclosed, in 2005 and 2006, it was primarily related to a cost programme. It was more related ... 75% to a earnings per share growth. In 2007 -----