Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

So am I correct in saying that ISA 39, contrary to the popular view or the popular belief, that you are actually able to make provisions for future losses? And secondly, in terms of the audits of AIB, what scale of adjustments did they ... did ye put forward and did the bank make on the basis of your audit over the provisions on loan ... on losses on loans they had already made?