Mr. Liam Kelleher:

I understand that. The short answer is "No". We took it, you could... you might say we were naive in hindsight, that the bank knew their business. They were reporting ever-increasing profits each year, they were employing - each of them - thousands of people. We felt they had teams of expertise in each area, relatively speaking, we had no reason to feel that the banking sector was in any way vulnerable.