Mr. Brian Goggin:

Yes, well ... that ...Yes ... Actually when you read the paper, it talks about higher risk and return. The headline is a little misleading but you're absolutely correct. That is what the headline said. The actual paper refers to higher risk, higher reward lending. And that's perfectly acceptable. You know, it's about adjusting risk relative to return, but this particular initiative was extremely modest. It was to position Bank of Ireland ... it really was to support residential property development, that's what it was really about. And, if I might add, when that unit grew over time, in 2006, we decided to amalgamate it and integrate it in with the more sophisticated specialist higher order property team in corporate banking.