Ms Fidelma Clarke:

Again, probably a question that could be better answered by the executive or the board in place at the time. As I said, I believe that the reason that the society first got into commercial property lending was to create some form of diversification in relation to risk and also to possibly produce an income stream which was higher than the income stream you'd make from residential mortgages. But, unfortunately, I wasn't in the room and wasn't a member of the decision-making team.