Mr. Brendan McDonagh:

The Chairman is an accountant, as I am. We can look at a set of accounts, but one cannot break the Northern Ireland portfolio from that response and anybody who states they can is a better accountant than I am. We totally dismissed it at the time. Was it flannel or whatever the case was on the day? We had disclosed in our annual reports for many years that effectively 6% of our portfolio was in Northern Ireland or whatever the case was at the time of acquisition. One would not have known what it was in late 2013 or what specific impairment we had taken on it. I totally dismissed that aspect.