Mr. Michael Walsh:

Sorry, Deputy, to be absolutely clear, I have said in absolutely unambiguous terms that not a penny is acceptable, right? I have deep regrets that I didn't foresee the problems in terms of the global markets, in terms of liquidity, coming at least a year earlier where we could have avoided any problems. But you asked me in terms of, you know, the size of the actual deficit, and I'm pointing out to you that under any reasonable assessment the deficit could not have been that high. So I do not know what accounting games are going on. You are all ... a number of you are accountants. You can actually go back through the thing, but I mean, the simple reality is there were two sets of loans on those books there. There were the loans that were transferred to NAMA and there was the residential book. There was nothing else that would cause risk.