Mr. Brendan McDonagh:

Yes, and they are obliged to maximise in terms of their shareholders and that's what their shareholders expect them to do. But I don't think any of their shareholders, whether they be the individual that has a few shares in the bank or an institutional shareholder who as a pension fund might have a large percentage sharehold in the bank, was in any way aware that the concentration of lending was like this. I just think that is highly unusual.