Mr. Michael Walsh:

No problem. Sorry, I mean, I think, you know, Professor Brennan will actually tell you, you know, they didn't anticipate, you know, the, kind of, downturn any more than we did. Whatever about her own view, certainly, the reality is, as I think you know, over that period of time, you know, Ulster Bank would have actually grown at a higher rate, a substantially higher rate, than the society and indeed, you know, at a faster rate than EBS and a faster rate than ILP.