Mr. Aonghus O'Connor:

The assessment of the €2 million would definitely have been required at all times because we view that as protection of the actual applicant as much as ourselves because, in America, people had lost financially so we wanted to make sure that the statement of character would have been requested in all cases. I cannot say that with 100% certainty about every single one of them but we had a compliance unit within the immigrant investor programme, IIP, unit that would have checked subsequently, and I think there was not-----