Ms Sharon Donnery:

I totally accept that. As Mr. Makhlouf has said, over the last number of years, the Central Bank has made significant enhancements to its whole approach to insurance provisions. We will get the figure. To add to what the governor said, I think the focus at the time was on the issue of the discrepancy between the reserve calculations carried out by Quinn Insurance's actuary and by the auditors. In addition, there was ongoing engagement with the bank and the firm in relation to that. It is very important to put on the record again the issue of the previously unknown guarantees that were in Quinn Insurance because the financial impact of those had a very material effect.