Mr. Paul Dobey:

AIB had €127 billion of loans outstanding at the end of 2008. We audited a portion of those loans to get ourselves comfortable with the processes that AIB had gone through. As I mentioned earlier, we found certain issues with those loans. And when we found issues with those loans, we extrapolated that across the whole portfolio and certain additional provisions were taken. We didn't look at every single loan, I can only imagine that that extrapolation would have dealt with some of the issues that you have mentioned but I couldn't specify for sure that it did.