Mr. Fintan Drury:

I think the ... the truth is that, again, I can't remember definitively what would have been said or what would've been discussed in relation to this map. I think the map is interesting. I think the focus on the map, if we had focused on the map - I'm sure we did at some stage within that particular meeting - the focus would have been on where is the bulk of the money being ... being lent to, where is the bulk of the money that's being lent, being invested? And, I think that we would have gained some succour from where the bulk of the money was being invested rather than the ... rather than the reverse. But I, I take the point, looking at it now, that the spread, even, albeit that the ... the bulk of it was in, in parts of the country which were more-----