Mr. Richard Burrows:

Yes, I'm going to get to that in a moment. In relation to the property lending, that was the big factor that caused us enormous difficulty within Bank of Ireland, which required the Government intervention that we did get. The fact is that that lending, not all of it would have been put in place in 2008 or anything like that. It would have been something that would have been built up over the period of time, probably from 2001, because the nature of this lending is that it's going to be there for some time. So there would have been a build-up of lending through the period that you're referring to and the progression would have continued beyond 2005. So I don't know whether that answers your question or not but-----