Mr. John Beggs:

Well, I can say in relation to property concentration, I was never consulted about the way in which AIB divided up its property concentration between investment and development, and I'm not ... I'm not sure as to what, in fact, I could have added to it, because most of the research we were doing was based on official, published figures. I mean, our research never utilised AIB banking statistics in any of the reports that we published. They were all official CSO or either Central Bank data. So it wasn't an area that we ever really went into. Most of my time-----