Mr. Eugene Sheehy:

Well ... those questions were all asked in the context of the credit report, you know the, the half-yearly credit report. Just in ... to put a bit of context on it, Chairman ... the Republic of Ireland business accounted for 43% of the group profits and the property division in the Republic of Ireland accounted for 25% of ROI's profits. So you're talking about between 13% and 15% of the group profits related to this part of the bank that caused, you know, our demise, effectively. So the board had a lot of things to look at but they did look at the property concentration and general what's the view on the market, what are we hearing from our customers, what's the macro indicators. That was a constant, as you can imagine, a constant part of the dialogue of the board.