Mr. Richard Burrows:

If I go back to the strategy which we talked about earlier, identified by Mr. Soden, that was, as we have described it, an aggressive strategy to grow the business of Bank of Ireland. That was something which our shareholders were expecting us to do. In fact, as I mentioned to you earlier, the rate of growth within Bank of Ireland was causing us to be rated less by the market than our peer group, which was cutting off certain options from us. So there was built into what we were doing, a need for us to grow the business. And by growing the business that meant, in banking terms of course, growing the balance sheet and thereby growing the profit and loss account.