Mr. Dargan Fitzgerald:

Well, to answer your question and your comments, first of all, just to highlight that I mentioned that in public record in their annual reports, the reference to development property lending is explained as having taken ... decisions having been taken place in 2005. I think, as a matter of fact, the substantial, or relatively substantial, development property lending, the bulk of it, took place, I think, in 2006 and 2007, a relatively short period before in, as I think I mentioned and it's in the public record, in April 2008, that development lending was ceased. So, it's actually a relatively short period for any problems to emerge with loans or, indeed, the extent of the exposure to be reassessed. And I would just say in that context that development property lending was disclosed in the various footnotes to the financial statements, as you are aware, and I also would comment that my view is that it was not a ... I'm sure it did not seem at the time to be a very large proportion of the balance sheet of the building society.