Mr. Aidan Walsh:

Can I just deal with the problem of the equity not being there? Part of that problem existed because there wasn't visibility across different banks and we had a very privileged position at the time in terms of getting an oversight across those six banks, but we actually didn't have any visibility into two other significant banks in the system at the time. So even the work we did didn't give us full visibility of what might have been going on with those top 20, 25 borrowers. We didn't see into the Scottish banks.