Mr. Cormac McCarthy:

It's ... I've heard that comment before. All I can say is, in the case of our own institution, nothing changed. When I took over as chief executive of the group in January 2004, the credit authorities remained the same as they had been beforehand, so there was no ... there was, as you've referred to in the exceptions reporting, there was appropriate hierarchies of people who were looking for, you know, to override a policy. But there was no change in the local authority or local, in fact we believed fundamentally that the connection between our branch manager or our business centre manager was a very important one. In my time in the bank, we actually opened more branches and we opened more business centres across the country to that effect.