Mr. Fintan Drury:

I think if you look at the decision that was made in 2006, which was to stop lending in the Irish market, we were very conscious of the importance of staying committed to exactly the group you're talking about because they were the people who we had ... who had over the years had demonstrated themselves to be extremely good clients of the bank, and clients of the bank who could be supported and should be supported. So I was aware that there was a relatively small ... that the ratio, if you like, in terms of the number, a relatively small number of clients who had quite a significant percentage of ... of the lending, yes. Was I concerned about that? Not particularly.