Mr. Frank Daly:

It was the decision of Cerberus to engage Brown Rudnick. We had no relationship with Brown Rudnick or Tughans but with Cerberus. Our concern, and the concern that people should and do have, is whether we got the best value for the Northern Ireland portfolio at the time, and I honestly believe we did. I will not go into it; we have rehearsed it here extensively. The bid from Cerberus was the highest bid. It met our reserve price. We took every step we could to ensure there was no involvement of anybody from NAMA in the background with any sort of fee or payment. We have it in writing.