Mr. Terence O'Rourke:

Well, I think we had sufficient knowledge. I mean, I was quite happy that, obviously, property lending was a feature of banks' audits, has always been, and banks always have lent to property. So I was ... anybody who has experienced knowledge of the bank audits, who understood the issues of property lending, they understood the issues in terms of the ... the lending decisions, the credit decisions, collateral, all those issues. So I'm quite happy that the people involved in the audits of AIB and other financial institution audits understood property lending and understood the issues in assessing the quality of the loans.