Mr. Eugene Sheehy:

I note the comparators you're making and I'm only going to talk about a comparison between ourselves and Bank of Ireland because that's the only equivalence. They were a retail commercial bank; so are we. There was a slight difference in our customer base. We were much heavier than they were in the SME sector and property and construction was widespread. We had, you know, in the ... we had very large customers and then we had 650 customers who had property and construction loans of over €1 million, so it wasn't ... it was very broadly spread and reflected our franchise and the nature of our franchise.