Mr. Brendan McDonagh:

I think factually it's unfair. Personally, I know Peter. Peter's a good guy, but I just thought, and in fairness to him he did say on the day of the evidence that effectively he didn't have any particular insight into NAMA that was just his opinion. So, and I suppose what I'm pointing out here is that just to, I suppose from the record from our point of view, we do many other things which is not just a pure remit of a debt collection agency. We are obliged to collect debts, that's what we're expected to do and we do it, and we do it to the best of our ability, but we do many other things, as I outlined in my statement.