Mr. Pat Cullen:

Well, clearly, I think, nobody predicted the size of the losses in general, across the whole banking sector. Ulster Bank clearly ... the issues that RBS had in Ireland were mainly around the property side. The issues they had in other areas were to do with other financial instruments and different issues, but certainly, obviously the size of the losses they had in their Irish book related to property were very significant. And clearly the outcome of that still has to be finally determined.