Mr. Brian Goggin:

No, the short answer to that question is absolutely not. I mean they were a competitor in the marketplace. It's interesting when you look at this comment. Here we have in 2003 the establishment of a specialised property finance unit within branch banking. We assigned to that unit highly experienced lenders. This was a trial that went on for two years. This is a very good example of how Bank of Ireland poked its toe into new territories initially. It did it by trial. Look at the amount of money that we gave this team to them - €25 million.