Mr. John Beggs:

Could I just make one point in reference to that. These ... all this information was there, but banks, AIB being no different, had, really, a very strong belief in its own customer base, the information that it had about its own customer base, and how sustainable their own customer base was. So they ... sure they heard these messages and listened to them, but nevertheless their microdata about their customers trumped the macro scenarios ... or the macro information that was coming.