Mr. Michael O'Flynn:

-----going back to that, Deputy, the first point is NAMA ... we've been into NAMA ... now I embraced the NAMA structure with reservations, and that's no secret to anyone, because I made a lot of comment at the time because it was my business and my livelihood and everything else. But I went into NAMA on the basis that this was going to be a work-out vehicle. That we were actually ... they were actually going to identify people they could work with and figure out a plan to get us out of this extraordinary position that ... perhaps, we contributed somewhat to it but I think it was a ... banking was the origin of the scale of it. And when I went into NAMA, I thought NAMA was going to be work-out vehicle and we were going to figure out plans on working that out. I spent enormous time, as did my senior staff, working on a business plan of some couple of thousand pages, because of the nature and scale of our business but NAMA had no interest in that business plan.