Mr. Dargan Fitzgerald:

Again, you will have to forgive me. I’d have to check the facts. I’d have to compare the 2007 and 2008 disclosures to give you a definitive answer and I’d have to check our files. My overall recollection is that, as I mentioned, the disclosures in 2008, which may in the case of certain components of the loan book have been expanded, were to give additional information given that the loan losses were being recognised into a very significant degree. It may, subject to checking, have been because of ... practice was then dictating that additional disclosure, although I must say I don’t remember that. It would in any event, just to conclude, it would in any event have been the case that in 2007, we as auditors would’ve checked that full disclosure was made in accordance with whatever the disclosure rules were at that time. And similarly for 2008. There is a certain latitude that management teams may give additional helpful disclosures over and above specific required disclosures if they feel that it gives a fuller picture and we, of course, encourage that from time to time.