Mr. Michael Walsh:

Yes, but even KPMG, I think in 2008, described, you know, the operation - sorry, the society - as a very simple business. It was all in the one sort of place, you know, very straightforward. So, yes, it was straightforward and simple. The reality is it was concentrated in property and whether it had been residential property or construction or commercial, you'd have had the exact same writedowns if you decided to mark to market everything in 2009.