Mr. Fintan Drury:

I don't think we would have seen the roll-up in that context because of ... for the reasons I've given you in terms of new lending and the nature of development lending and how that works . And I also think that because ... I mean, Deputy Doherty asked me this earlier on, in terms of the small ... the percentage of the loan book that was in ... was ... related to a relatively small number of clients or customers. And that was, you know, that can be argued either way, I guess, but that would have been seen as being, and the ... there would have been seen as an element of protection about that; that it was people we knew well; we knew that they would be able to move the land that they had bought from zoned to full planning and to being built and starting to generate very serious income-----