Mr. Eugene Sheehy:

I was surprised when I saw that in the comptroller's report. I don't know of the cases but it didn't ... it may stand to reason when you look back at it, the bigger the operator, the more likely they were to have non-Irish assets in their portfolio. That would be one definite fact. The bigger the portfolio, the more likely you would have a good chunk of investment property pre-let. So the most problematic asset was residential development land. So the bigger you were, the smaller the proportion that is likely to be in the portfolio. So I think that's probably the cause of that.