Mr. Patrick Neary:

The ... the concentration on property was if ... or the exposures were ... there was a parallel system. First of all, there was the large exposure directive, which limited the size of individual loan exposures and the totality of those large exposures was limited in terms of capital. There was no breach of that. The other guideline ... it ... I mean, it was there but it was a guideline and there was no way of ensuring compliance but-----