Mr. David Went:

Well, I'd have to say, when you look at this ... if you look at these pages and you look through the way in which it was reviewed, you know, I ... we’ve carefully analysed what we thought was the incremental level of risk which we were taking on and we concluded, in all good faith, that that was a reasonable level of incremental risk to take on. And in terms of the growth in the portfolio, as I said, you know, we traditionally had provided 25% of mortgages to Irish people, and through this period our market share was somewhere between 20% and 25%. So we ended up doing no more than we had done over the previous 100 and odd years.