Mr. Brian Cowen:

I do not think that was the issue generally, Deputy. I think ... you see, we were dealing with this issue when it's all boiled down far more up front and transparently than a lot of other people were. We'd identified the loans. Now as regards to pricing of them. If we accepted the 30%, then that would have been at a bigger cost to the taxpayer because you wouldn't have got the haircut that you needed to get to make sure that NAMA in doing its work comes out with a positive balance.