Ms Ethna Tinney:

I think that my short answer to that is yes, because I think the general sense was shared, you know. I was clear about it, but the general sense was shared by several members of the board that this was all happening too fast. There were far ... it was far too much changing, far too quickly, and we can see that in the reality that, you know, the loan book grew from €5 billion in 2002, well, just under €6 billion, to just under €16 billion.