Mr. Peter Fitzgerald:

Okay. Well, if I could for a moment, I just want to put that ... put a little bit of context around my statement there because the ... I'm sorry, without going on too much of a tangent but when I worked in First Active Building Society very early on in my banking career, savers would come in and they would lodge regular savings or small deposits with the bank ... with the building society through a multitude of branches which would then result in mortgages for 20 and 25 years being issued.