Mr. Peter Fitzgerald:

I think the nature of Anglo Irish Bank was, both culturally and divisionally, quite siloed in that, as I mentioned in my opening statement, it really was three monoline activities between treasury, between lending and between wealth management. They did come together through the senior executive board. I think the concerns that would have been raised around funding was not in relation to the risk in terms of the credit risk but in relation to our ability to fund that prudently. And you will see in the minutes of the ALCO meetings and also in board presentations, the presentations made by the business from the treasury perspective in terms of the quantum of funding that we had to raise in order to adequately fund that lending growth, so... sorry, to your point, and just to be helpful, the discussions, I think, at senior executive board from my perspective and others in the treasury side would have been around the need to be able to fund that appropriately. I would not have expressed a view, because it wasn't my area, on credit risk, because it wasn't my area of expertise.