Mr. John McDonnell:

I can't comment for any of the banks that we obviously didn't audit. In terms of Bank of Ireland, Bank of Ireland would've had very detailed procedures around the perfection of the security. We would've looked at those procedures and they would've had very detailed controls around ensuring that they perfected security, and we looked at those controls. And, certainly, when a loan moved into an impaired category, the level of control and the level of scrutiny would've increased quite substantially.