Mr. John McDonnell:

I ... I don't know, to be honest, but what ... what I would, what I do know is is, and the reason I don't ... I wasn't involved in Bank of Ireland in 2000.

What I do know is is that we would always and we do always at the start of any audit sit down and talk about the risk that apply to that audit, so, therefore, when a bank starts to build up as Bank of Ireland started to build up considerable exposures in various areas, we would have ensured that our banking expertise was appropriate to audit the bits that we were required to audit arising from that, and that would have been impairment.