Ms Fidelma Clarke:

I suppose the strategy decisions had been taken long before that, so those strategy decisions had been taken in 2002 and 2005, but certainly from my observations from 2007, mid-2007 on, there was absolutely very clear, considered, evaluation of the environment, changes in the environment and, you know, evaluations as to what could we do to try to mitigate risk and, in particular, I would say if I may-----