Mr. Cormac McCarthy:

There wasn't Chairman. I wish I could say that, you know, there was. I wish I could go back and change things, but at the time the general consensus view that prevailed, and the view within our own institution was that there'd been a paradigm shift and that there was, you know, very strong growth, you know, for the foreseeable future, both politically ... it wasn't just within, you know, within Ulster Bank. We had our, we had RBS Group economics, who are an independent view, as well. We had third party economics, we had stress testing from the Central Bank, we had stress testing from the ESRI. Unfortunately, Chairman, no.