Mr. Michael Fingleton:

No, not a hope. We tried ... we made all the effort to expand our home loan book and, as you may be aware and as I've already mentioned it in my statement, when Bank of Scotland came into the market in 1999, all things changed in that marked irrevocably. They undercut everybody, competition intensified, our book was attacked and we, effectively, couldn't compete, because, principally, we did not ... we refused to adopt as a policy 100% loans, we refused to adopt as a policy tracker mortgages, we refused certification, we refused to lend at uneconomic rates such as 1%. Nobody could lend risk ... or buy risk at that level. And that is why we failed to grow our book in the analysis. We were evaluating the risk compared to what the market was dictating. And we weren't into market share; we hadn't the capacity. And you also had the brokers who controlled 50% eventually of the market and they were aligned, almost totally, to the bigger institutions, and they all fought for their market share and we were left behind.