Mr. Joe O'Reilly:

Well, first and foremost, again, from a macro point of view, and I don't want this to sound flippant, but we, we didn't borrow from the Irish taxpayer, we borrowed from private or from public banks. So, you know, from that point of view, that's the answer to that question. In relation to ... again, as I said, and I mentioned to ... to the ... a number of ... or to some of the other questions from the Deputies, from the other Deputies, I think from ... I can only speak from my point of view and only speak from our organisation's point of view, is that quality of the assets that we had supported ... the quality of the assets or the ... the ... or that the loans or the lending to ourselves and to our organisation was ... was secured against some of the best assets in the country.