Joe Higgins (Dublin West, Socialist Party) | Oireachtas source

Right, I'll just move on because of time, Mr. Fitzgerald. On page 10 and 11 of your statement, you say:

Merrill Lynch, BNP and Barclays Capital Markets were separately retained in 2007 to conduct a detailed due diligence of the Bank's balance sheet. The resulting findings highlighted, among other matters, the Banks high concentration to property and development lending, the thin nature of its funding base and the possible need to raise more equity as a capital buffer for possible future [use].

Did each of those entities make a report, a formal report, to you?