Mr. Paul Dobey:

Maybe to answer the second question first, we did look at the processes and methodologies and we were satisfied that they were appropriate in terms of processes. I think, as I've mentioned in my opening statement, what was underestimated by AIB was the extent and scale of the downturn and the implications it would have, but we didn't have the concern about their detailed processes. As I mentioned also there was a very detailed risk assessment process within AIB that identified all of the risks. They were aware of all of the risks. They may have underestimated the consequences of some of those risks but they were aware of them. Maybe to answer the first part of your question if I may, and I don't wish to go on for too long, but we did a very detailed assessment and I can take you through, if you wish, some of the comments that we would have been making-----