Mr. Fintan Drury:

I think ... I think our focus would have been ... well, we would have questioned, I mean, we wouldn't have questioned the ability of the executives within the bank to determine whether or not the people that they were loaning money to, as a small percentage in this category, whether or not those people had the capacity to do what they said they would do. And then, I'm ... you asked me why would they have ... why would they have accepted or believed that those people were capable of ... of making money, if you like, from, from ownings on unzoned land, it would have been down to the, the individuals who ... who were being loaned the money.