Mr. Michael Walsh:

You know, they're talking about the market and the market background. They're not talking about the society's numbers. And, you know, from time to time, and not on a continuous basis, we were getting, you know, economic commentary on the property markets, etc. But, you know, you have to put this into context ... Irish Nationwide was the institution that actually went to the regulator before everybody else and actually saw where the world was and basically warned the regulator. Now, you know, eight or nine months later somebody was saying, well, you know, you need to be aware of the market, you know. We had actually told, and it has nothing to do with structure of documents or otherwise ... the board was fully aware of what the situation was. And, if I contrast that, say, with you know-----