Mr. Fintan Drury:

Yes, I think that is correct. I don't think there were directors available in Ireland who had experience of a fast-growing monoline bank and I'm not, I'm not trying to be smart. But I do think that the ... in other words what I'm saying is if you were to parse that sentence, I think that the idea of directors not having sufficient experience is not reasonable or correct but I think not, not having specific experience in order to be non-executive directors of a fast growing monoline bank, I mean, I think that's a statement of fact, truthfully.