Mr. Michael Walsh:

Well, sorry, absolutely, I'm saying no one institution created a bubble. I think the reality is, you know, if you look at market shares, you know, first of all in total market share, obviously, you know, basically Anglo increased its market share and AIB and Bank of Ireland decreased. But if you were to actually look at it in terms of ... instead of kind of the total lending, if you were to look at it in terms of, kind of, property and construction, you'll find that, you know, the two big lenders into property and construction in this country were AIB and Anglo. Bank of Ireland is less than half of either of those.