Ms Mary O'Dea:

Well, actually, what we spent a lot of that year doing was trying to get a good estimate of aggregate bank losses and that took a significant amount of time. And, in fact, even after that, even after NAMA was set up - and NAMA had specialist valuers - it still took a significant length of time after that because, basically, land banks had to be looked at, individual loans had to be looked at, connections had to be looked at, what collateral was there. So it took a longer time to do it than you might have expected.