Mr. John McDonnell:

We would've always discussed with the bank their approach to disclosures in the financial statements but I don't know what was actually discussed at that point. We would always discuss ... we would've always ensured that the bank ... and the bank would've always themselves ensured that they complied with appropriate accounting standards and they did apply with appropriate accounting standards. There was a big move, as I said, in the marketplace to increase disclosure and that arose from IFRS 7. The banks had just come through the adoption of ... the Bank of Ireland had just adopted IAS 39 in 2006 ... in 2005 and IFRS 7 came in as part of that accounting standard so people were still getting to grips with the overall requirements of IFRS. That's the only way I can answer it.