Mr. Richie Boucher:

Lending volumes in total. I don't ... I wouldn't characterise it as to do with property loans. As the minutes record or at a subsequent meeting, having come into the role, I said I wasn't comfortable and that I wanted much more. And in particular, what was happening was that some of the more complex business related loans - and some of them may be in property, some of them may be to export companies, etc., were taking up an inordinate amount of time in a legal services unit, which had been dealt with for more, say, bread and butter loans, and they were subsequently moved to external firms where there was a greater accountability, responsibility - we were paying them.

Going back to your point on property loans, as I've testified and as is evident, our haircuts we received on transfers to NAMA for documentation issues were extremely small. I think in the total context of €9.9 billion of transfers, our haircuts were about €20 million relating to documentation issues.