Mr. John Beggs:

Well all I can say about it is that I was surprised and disappointed by the extent of it and I still ... I have never done any analysis as to why it was that large, but it's certainly from the point of view of, you know, AIB, and what had happened in AIB, all the business that it tried to do in the economy, that this was the bottom line discount, I just found that to be extremely disappointing.