Mr. Paul Dobey:

I didn't find that to be a feature. We've pointed out ... discussed earlier the sectoral exposures that went all the way to the AIB board, it was taken extremely seriously by AIB. It was discussed. There were reasons why they continued to breach those limits ... if I can use those words ... that was to do with their view that Basel II was coming. That was done in good faith, I believe, and I wasn't ... it wasn't a feature of our engagement with AIB that they were non-compliant if I can put it that way. In fact, they believed compliance was an extremely important aspect of what they did.