Mr. Fintan Drury:

In the same way as I answered, perhaps not very authoritatively, Deputy McGrath's question - I want to be careful about how I answer you because I want to be, again, I want to be truthful - I don't recollect being aware of the level of roll-ups. However, I do think when we discuss roll-ups, we need to understand that the nature of Anglo's business meant that roll-ups in Anglo's case were going to be higher. By definition, the nature of its business meant they were going to be higher than they would be for others.

I also think when we talk about €9 billion, and five institutions, we're actually talking about, realistically we're talking about four, because EBS's percentage of the €9 billion was, I think - I don't know what the percentage was but I think it was 0.1% . And so the ... therefore, the amount of ... the total amount of the €9 billion, the amount of that that Anglo held, perhaps, wasn't as stark as it might appear for those two reasons. And I think when you're in development lending, which we ... which the bank was, you know, roll-ups is part and parcel of that business, and you know, business ... banks that are in the business today, that Anglo was in then, are doing roll-ups at that level right now, here and overseas.