Mr. Paul Dobey:

What I can say is that when the crisis hit AIB in 2008, and I mentioned earlier on that the 2008 audit of AIB was the most difficult audit that we did to that time. There were difficult audits subsequently also. It was great difficulty in gathering the information that we needed to assess the loan loss provisions, and we allocated a huge amount of man hours to that. AIB allocated huge amounts of man hours to it. We got to the right answer in February but it was very very difficult, and very expensive and costly.