Mr. Michael Fingleton:

And we ... also I would point out that we employed outside solicitors to examine the legal title of every loan and we employed the best, both in the UK and in Ireland. And I went out of my way to identify in Ireland ... I remember well ... identify the best commercial solicitor in Dublin. And the partner of that firm was my adversary when we set up our own legal department against the wishes of the Law Society here, in the early '80s, to do our own mortgage work.