Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

Okay. Can I ask you on page 6 of your statement you make reference to that in 2005, EBS went from a situation where they were not in the land and development lending to over a two-year period to go really from zero to €1.7 billion. And the question I want to ask you is: if EBS had not gone into the land and development lending, would EBS have required a bailout from the taxpayer? Would EBS be a stand-alone prudential building society today?