Mr. Paul Dobey:

All I can say is that during the course of our loan review process, we identified certain additional provisions that were required by AIB and they took those provisions.

How much is difficult because, if I can talk about 2008, and this wasn't specifically in relation to loan securities, if I can put, this was generally. AIB reported to the market in its interim management statement on 4 November that it believed there would be €950 million of loan loss provisions for that year. That was ... at that time, AIB was carrying out its work, it had a criticised loan process it was going through, it had allocated... very many people from the front line into assessing the loan loss provisions. And it came up with the €950 million.