Mr. Sean Mulryan:

Well, that's the way the process started and it was more loyalty than anything else because when I went into London in 1991, London was very, very ... it was going through an extraordinary recession at the time. And, at that stage, you know, Anglo supporting me there from day one, where another bank ... none of the English banks, because I'd no track record there. So it was more loyalty than anything else, I would say, that we stayed with them. It was a mistake not to have spread it into the bigger international banks.