Mr. Eugene Sheehy:

Yes. And I'll just ... could I make one reference from the comptroller and auditor's report on NAMA in 2014? And he says:

There is an apparent inverse relationship between the level of debt and the relative impairment charges for individual debtors at the end of 2012. The rate of impairment for those debtors who owed over €1 billion or more where their loans were acquired was just over 4%. While those whose debts were less than €75 million at acquisition, the impairment was around 21%.

I couldn't have anticipated that at the time and neither did NAMA at the time, but sometimes the bigger relationships because of the diversification that they had, you know ... typically they would all have had significant UK exposure-----