Mr. Michael Fingleton:

This is one of the myths that are still around, you know, that I brought in everybody and I approved every loan. No, Senator. UK loans would be introduced by the manager of the UK office almost exclusively. I think we had one or two that were Irish. The Irish loans from customers that were there since the '90s, I would have introduced them to the society, but they'd have started off as customers in the Irish market and became customers in the UK market. I would say, if you look at the top 30, maybe five might have come through me. I don't know, I'm just guessing now, but they'd be the Irish, they'd be the Irish ... some of the Irish borrowers.