Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

Okay. For example, the account to the end of March 2005 in the relevant note, which was 15, dealing with loans and advances to customers, subsection C, there was a reference of concentration of exposure to credit risk. It said: ''Group's exposure to credit risk from its lending activities does not exceed 10% of loans and advances to customers after provision in any individual sector or industry with the exception of residential mortgages''. Now that was repeated again then in 2006. But at that point, property and construction was added into residential mortgages as being an exception to the ... to the 10% rule. But it wasn't until 2008 that you had a specific note on credit risk exposures and you're saying that arose from-----