Mr. Patrick Neary:

Certainly, you couldn't ... you couldn't but notice the growth in all the banks during that time and, as I've said, in the context of an economy which was performing very well, but I think it's also important to bear in mind that during that time the level of impairments and defaults in the portfolios that were built up in the banks were negligible. So that while there was growth, it did not transmit itself into defaults or bad debts or impairments.