Mr. Paul Dobey:

Markets were extremely uncertain. Credit markets ... the first Bear Stearns fund went down in June 2007, the capital markets froze in August 2007 for certain securities. I believe Bear Stearns was taken over by JP Morgan in late 2007. There were certain securities that were held in AIB's traded credit book that were difficult to value. We had concerns, as I've mentioned. We raised those concerns with AIB. They did the work they needed to do to get us satisfied and we were happy.