Mr. Pat McArdle:

Well, it rang an alarm bell in the sense that I was listening to regular complaints about Anglo who were, you know, taking market share from all the other banks, so I was conscious of that, right. But I didn't know the percentage increase in their balance sheet, because I would never have had a need to look at it. I was doing ... after all, don't forget my job is short-term forecasting, it wasn't analysing the competition.