Mr. Derek Quinlan:

They reduced their margins, yes, and I first dealt with ... we were dealing with our ... I went to Allied Irish Banks, I remember it well, in 1998 because, Mr. Chairman, at that point in time The Four Seasons Hotel Group had said that they were coming to Ireland and I had put together the partnership to acquire the property. And, suddenly, the then syndicate of banks decided that they didn't want to finance it. That was before the thing started.