Mr. Terence O'Rourke:

Yes. In terms of the crash that happened, go back to what I've said earlier. What happened was ... did the accounts reflect the right numbers and the ... the accounts were accurate. They reflected the loans given, they reflected the sectoral concentration, they reflected the funding make-up. All those items were disclosed. The issue then is whether the accounts should have provided for losses which subsequently happened and the answer is the accounts, obviously, didn't provide for those losses because they were not foreseen and the answer is because to make provisions for losses you need to be able on an objective basis for saying these losses are going to occur and there was no objective evidence, in any time we did our audits before the crash happened, that those losses were going to occur.