Mr. Richard Burrows:

No, I wouldn't, and I think I covered the matter earlier in relation to the way in which credit policy and lending policies were drawn within Bank of Ireland, which was to draw them very tightly, so that that, in any ordinary course of business, would give rise to exceptions. That's the purpose of drawing a very tight perimeter, that exceptions are forced into a situation where there has to be consultation with a higher authority, whether that's a more superior credit committee or a senior executive before being resolved. So I think it's not unusual, in my opinion.