Mr. Derek Quinlan:

Well, application forms were not part of the process and in relation to ... I mean, there was no special way of approaching, you know, there was no differential between approaching Deutsche Bank, as you mentioned, or Anglo Irish Bank or AIB, it was all approached in the same way. So, a business proposition would have been put together in relation to the property, the property having gone through, in our case, an investment committee process before we went to a bank.