Mr. Dargan Fitzgerald:

Well ... well, I'd comment in relation to that that the views of the ... of the directors at the time ... I should start by saying the going concern assessment would have considered a number of different factors. And the consideration of those was made formally by the directors in a separate paper, which I don't think is a part of the core papers but would have been available to us at during our audit, and it would have formally considered aspects such as solvency and in that particular ... in relation to that in the case of EBS, the particular aspect for consideration was the extent of loan losses, as the loan losses directly reduced solvency, if you like, on a one-for-one basis, notwithstanding that a significant impairment was proposed and eventually adopted by the society in its books. And that caused the first ever loss of the building society in its history, if I recall.