Mr. Peter Fitzgerald:

I don't think your analogy is offside at all, in that I know that we obviously had - and if we just break it down, I suppose, when you are trying to curtail lending to a client base that have a multitude of projects that are on-running, etc. - then you basically have, as I mentioned earlier on and just, I suppose in context as well, I wasn't on the lending side ... I was just aware of the funding implications, yes, of the continued lending in 2008.