Mr. Joe O'Reilly:

No, again I ... again, we would have seen the same level of process and rigorous process. So, from our point of view, we would have valued our own ... we would have put our own business plan together.

We would have then brought out ... we would have then brought in external advisers and, in some cases ... in most cases, in fact, they were valuers. So they vetted what our assumptions were. If the bank was interested in our proposal, they would issue a term sheet. That term sheet then would move to a facility agreement. Going from a term sheet to a facility agreement, usually the banks would have brought in an independent external valuer and that would have been the same with the foreign banks, with KBC or Ulster Bank, the exact same thing-----