Mr. Paul Dobey:

Not particularly. I mean, there was an issue with the registering of security and there was a delay in that process. And what would happen was AIB would appoint ... for the larger loans, would appoint a top tier firm to perfect the security after the loan was given. That would take some time but we would ... we and AIB would rely on the solicitors' undertakings in the period where ... between when the loan was given and when the security was perfected. There were some delays in that process.