Mr. William Beausang:

Well, I mean, there's, I think, papers in the public domain reflecting ... and a freedom of information request, which deal with that issue at some length. I mean, the issue was raised by the Minister of housing at the time with the Minister for Finance. We examined the issue on the banking side in consultation with our colleagues on the ... on the economic side. We consulted with the Financial Regulator and we ... we responded and we met with the Department of the Environment and we ultimately responded to the Department of Environment on the basis of the analysis that the Financial Regulator communicated to us at that time around that issue. So, I mean, that's ... you know, that's an issue that we were involved in, yes, certainly, and it was an issue that we ... we assessed on the basis of the advice that we got from the Financial Regulator. I mean, you'll recall that the Financial Regulator, that ... we wrote out in November 2005 back to the Department of the Environment but I think in March 2006, the Financial Regulator introduced a higher risk weighting on mortgage lending with LTVs of 100%.