Mr. Dargan Fitzgerald:

I'd have to check, but I think you are correct. And I think I recall that in view of the loan losses which were being recognised in 2008, and as I previously mentioned, I think this caused the first ever loss in ... overall loss for the building society, which was regarded as a very major matter. I believe that the categories and detail of the loan note disclosures in 2008 were expanded to include that additional detail, so that there could be, for the user and reader, a clear relationship between the provisions and the loan portfolios.