Mr. Alan Dukes:

We had looked, as I've said, at the provisioning and if I can just give you an example. On the provisions for impairment, just basically what we are talking about here, in the report for the year ended 30 September 2008, the total provision for impairment of those accounts was €879 million, which had been presented rightly at the time as the largest impairment provision that any Irish bank had ever made. For the accounts for the 15 months ending 31 December 2009, the provision for impairment was €15.1 billion and, you'll recall, during the course of 2009, we changed the accounting year for the bank. It had been, you know, October to September and we adjusted it to be a full year so we did a 15-months accounting at the end of December but the provision for impairment on loans over those 15 months was €15 billion compared to €879 million for the year... the accounting year immediately preceding that and that was directly as a result of working back into the bank's balance sheet, the information that we had about the decline in property prices.