Mr. Liam O'Reilly:

2003. And we got a reply from the Bank of Ireland in February 2004 saying that they were complying with all policies. And we entered into some discussions with them about that and eventually the management letter from PwC came in saying that they were quite happy with all their lending policies. So we were still cynical. We were still trying to convince banks. There is still a question, and I agree with you: what instrument should we have been using? Eventually the instrument that was used was to increase the capital requirements in relation to the 100% loan-to-mortgage and to commercial lending. That would be 2006.