Mr. John Corrigan:

Absolutely. I mean, I mentioned earlier that when we got the initial PwC reports, which were commissioned by the regulator, the extent of the system's ... the banking system's exposure to individual debtors became clear. In other words, that a debtor went along to Bank A and borrowed, went along to Bank B and borrowed, C, D, and E, and the NAMA process brought the resolution of the individual debtors together. Otherwise, if it was left to each individual bank to do it, I think we'd still be struggling.