Mr. Gerry Fitzpatrick:

I'm not sure where, what kinds of disclosure, he really wants. That sounds like a boilerplate suggestion that things can go up and down ... if that's what I'm hearing. There was a disclosure which just said the directors highlighted the key judgments and uncertainties which could cause actual credit losses to differ materially from the report of impairment efficiency. That was a statement made by the directors in the accounts, so I think if that's the statement he makes, the reference to the profits high and impairments low is not a statement I would have thought was appropriate but certainly, the statement that of risk which is the risk that judgments may be incorrect is required by standard and was made, as I said, which says-----