Mr. John McDonnell:

This is I believe our reporting on the UK operations. We would have looked at impairment on all of the property books and we would’ve seen and would’ve reported to the audit committees in various stages. We would have seen the increase in property across Bank of Ireland and we would have also discussed with the audit committee the impact of the growing loan book and the impact of that on their impairment models. We would have also discussed at various stages the impact of the falling of property prices on and, particularly the speed which with, with which, apologies, property prices fell at certain stages and we would’ve reported that to the audit committee. And the last thing we would have reported to the audit committee was around how incurred loss was reported and how there was a market, how there was a lag between ... in the reporting of incurred loss and expected loss. We would’ve discussed all of that with the audit committee and with management out of the process of our work.