Mr. Kevin Cardiff:

Well, that's true and yet not true because as soon as they had done that work, Jones Lang LaSalle were brought in to look at the valuations as well. I can't recall when they finished that work - probably after the nationalisation. But there was also a due diligence process which looked at the ... some of the legal aspects, some of the blown aspects and so forth of the bank, and that was a process that went on over ... mostly over the course of December and into January in ... of 2008 into 2009. But in the ... of its nature, a one-month exercise doesn't provide for you what, you know, the nine or ten-month NAMA exercise later provided, which is a loan-by-loan exposure.