Mr. Gerry Fitzpatrick:

They would and they were. I think ... the growth wasn't hidden, so if you are saying the concern was there was growth, that was reflected in the financial statements prepared by the directors and audited by us. The concentration was there and disclosed in the financial statements and the loan quality of that was disclosed. I think perhaps your concern is, was the speed of that undermining the model, and therefore was that of a wider concern? I think in the context of an organisation that's moving, having had acquired a business like First Active moving to grow its loan book, there would be a period where significant growth would be there. My concern in that situation would be to understand is the funding available to allow them do that. So that the quote you made was in relation to standard - I would imagine in relation to standard banking practice - where there's consistent loan growth without the funding for it. So where would the funding come from? But if you have a supply of funding -----