Mr. Brendan McDonagh:

Yes, I mean typically the issues were where the bank solicitors hadn't taken correct security and, I mean, the banks warranted to us, when they submitted to us that they had first charges over the assets and, when you go to examine those first charges, you'll probably find a defect in that; or else, you know, the title deeds were missing, they couldn't produce the title deeds and, you know, they're typically the most common type of features that effectively ... that you can't enforce on the security, that there's some defect in the security, so I don't think it was unusual in terms of the banks which were covered by NAMA. I think other banks, who were not in NAMA, found the same sort of types of issues.