Mr. Paul Dobey:

Yes. I suppose what we would say in relation to the AIB audits is we were very thorough. We did a very thorough review of all of the loans' exposures when the downturn happened. We were looking at those beforehand, but we weren't overly concerned about the recoverability because of the strength of the economy and the elevated property prices. We need to be sceptical, and maintaining that scepticism is important and having that expertise within our firm is important. Having the international ... the dialogue with our international colleagues is important. We were doing that in 2007, we've continued to do it. Obviously, audits need to evolve to reflect the changing environment. I would say our bank audits ... there's much more dialogue with Government and regulators now and that's important.