Mr. Robert Gallagher:

To ... so your question then is: what is the general basis on which opportunities are considered? With regard to planning first of all, lending to unzoned land was capped by the speculative lending policy of Ulster Bank and speculative lending could not exceed 3% of the commercial loan book. The effect of that is that Ulster Bank had a very, very modest unzoned planning exposure. The bank did lend to zoned land, to planned land, and to land in process.