Mr. Derek Quinlan:

It was exactly the same, Deputy, and when you refer to Anglo Irish Bank, I would just like to make a quote so ... just to put it all in context for you if you don't mind for a moment. Oliver Wyman in January 2006 at the World Economic Forum in Davos - Oliver Wyman - I will explain who they are in one moment - described Anglo Irish Bank as "the world's top performing bank" in a report called "State of the World's Financial Services Industry" presented at the World Economic Forum. Oliver Wyman is a global managing consulting group with 3,700 professionals. It is part of a bigger group called Marsh and McLennan, which is quoted on the New York Stock Exchange and has a market capitalisation of €31 billion. In fact, I see a note from Davy Stockbrokers in 2003 quoting, in relation to Anglo Irish Bank, "A phenomenon in the European banking sector, excellent and tightly knit management team, a simple and ruthlessly pursued business model, an entrepreneurial culture which is rare in a bank." I am just quoting two things in relation to the bank so I can't comment about ... you know, I haven't followed the statistics that you are saying in relation to the bank but I would have said that all the banks were showing exponential growth.