Ms Ann Nolan:

Well, it doesn't ... it would have ... it probably could be the same discount, it probably would have been the same discount. All I'm talking about there is the method of doing it. What we did was we looked at every single loan. So in tranche 1, they went through every single loan in every single bank. Probably if they'd done 20% of the loans for every bank, in the different tranches, and done them all together, you'd have got more or less the same answer.