Mr. Peter Fitzgerald:

Certainly it was a concern to the bank. It was discussed at ALCO. It would have been discussed with the senior executive in terms of, I suppose, the stretch that we were putting on the funding to cover that amount of lending. But, equally, we were funding sufficiently at the time and the long-term aim was that we have 100% loan-to-deposit ratio with further initiatives. So, if you look back, we had already moved funding from very, very small and humble beginnings - '80s, '90s, 2000. Probably what surprised us was the success of the business in the UK market which was tentative to start off with - very competitive market - and therefore we were looking at at least one new European market in the following 12 months to try and redress that. But, it was a concern and it was discussed.