Mr. Paul Dobey:

-----setting out the growth in that sectoral exposure. And I believe in the note in the accounts that addresses concentrations of credit risk would've highlighted property and related construction lending. In addition, and I have an extract from the 2006 accounts ... I didn't bring 2007 as I've said ... which said:

The Irish and UK economies in particular have a significant growth in property prices and property-related lending in recent years and, while management believes this is a sensible approach to property lending and the management of related risks, any significant deterioration in Irish and/or UK property prices, could adversely affect the financial position of the group.

So I-----