Mr. Paul Dobey:

Thinking about the downside risk; it hadn't happened yet, but thinking about the downside risk. We made sure that our audit opinion in 2007, we were very comfortable with it, but there were issues in AIB at the time. We talked about it in relation to the traded credit book. However, if you go back, in 2007 the economy grew by 5.7%, right, so I was thinking about, this could ... there could be issues here, they haven't happened yet. I was satisfied with the 2007 financial statements. I was looking forward in relation to going concern. We got happy that AIB had €30 billion of liquidity and could have raised additional capital itself; it was still accessing the capital markets. I was happy.