Eoghan Murphy (Dublin South East, Fine Gael) | Oireachtas source

Okay, thank you. I've to move on now just to another question while I still have time. And the book is UBI - B2, page 21. So you have some tables in front of you. By mid-2006, the level of new mortgage lending in Ulster Bank outside of policy reached 40%, and policy changed later that year and the level dropped to 20%. So can you just clarify for me, lending outside of policy, is that what you would refer to as exceptional lending?