Mr. Joe O'Reilly:

Yes, Deputy, well that came about by ... at the time Dundrum Town Centre was a major project and the scale and the size of it was just too much for any one bank and their governance wouldn't have allowed that. So it was ... there was a number of banks brought together, as you have mentioned, so that was called a syndicate of banks and it was headed by Anglo Irish Bank. So there was a process there where Anglo would have informed all of the banks in relation to all of the governance issues in relation to the protection of that loan and working within the facility agreement, working within the ... while the loan was being drawn down, ensuring that we ... ensuring that all the milestones or whatever the criteria was and whatever the requirements were within that facility, that they were all adhered to.