Mr. Fintan Drury:

I think that ... you know, one of the things that we would have done is monitored that on an ongoing basis, but these are figures and what these figures don't do is tell us what was behind those figures, what were the reasons for those exceptions. So, in the main, the exceptions to credit policy - and, ideally, if you're running a bank, you have no exceptions to credit policy or certainly as few as you possibly can - but the exceptions to credit policy were not running at a rate which would have caused concern.