Mr. Fergus Murphy:

I think that, to my conversation a few moments ago with the Deputy, I think it is a very large bearing to the EBS story. I can't say it's 100% of it, but it has a ... it's a dominating factor in the context of EBS being ... what happened to EBS. Another important point there, for example, so ... because I can't say it's 100%, is the liquidity and the funding of the balance sheet. There are a number of dynamics all coming together at the one time. One could argue that one item is 30% and something else is 60%, but those two points would be the dominating factors and I would believe that the commercial property piece is the most dominant.