Mr. Matt Moran:

No, Chairman. Just to be very clear to you, I was fully aware that the bank was involved in providing interest roll-up facilities as part of its book. The bank had a significant element of development lending, for which interest roll-up was a natural feature. The quantum, and I say that very truthfully, the quantum of €3 billion, when I saw it, I was not aware of that level prior to receiving this document.