Mr. Fintan Drury:

I mean, I don't know is the answer to that question. I'm sure I knew at the time but I don't know why that decision was taken at that time. What I would say is that the decisions, and I think that the documentation in terms of the risk committee demonstrates the point that I made in my opening statement - and I'm not avoiding your question; I will come back to it - demonstrates the extent to which the risk and compliance committee was interrogating and pushing for the risk function within the bank, or the risk management team within the bank, to establish cause, establish reason why any changes in policy would be taken. So, if group management was making up ... advocating a change of policy, then that would have been interrogated very, very carefully at the time and the decision would have been taken on the basis of such an approach.