Mr. Fergus Murphy:

It's ... you know, I think one should benchmark against other institutions in Ireland, or companies in Ireland in other sectors. And one should benchmark against like-sized banks in other jurisdictions that are probably OECD zone A, western European, or whatever. I think there's probably plenty of exemplars or comparators there for us to use. Now, this is not an area of expertise of mine and I don't, you know, manage this part of the business but I would imagine that would be a reasonable approach.