Mr. Alan Merriman:

Well, look, let me answer it in two ways. Let me give you just what I might call a very layman explanation within EBS. EBS had a branch network. Within that network it was made up of both what I'd call branches where the management was employees of EBS, and I had tied branch agents where, effectively, the branch manager was running his own business as an entrepreneur. That was a relatively unique model to EBS in the Irish market. If you're a TBA and you're running your own branch, you don't need head office to be giving you additional incentives.