Mr. Richie Boucher:

Well I think if we just go back to the NAMA requirement was that an entire asset class which was land and development and then connected invested property loans moved across to NAMA above a limit as the Deputy would be aware. So we didn't have a choice in a factor and it wasn't cherry picking, the entire volume moved up so I don't think there was a correlation between exceptions and NAMA transfers. What I think my ... in an answer to a request for an inquiry from the committee to explain the exceptions, and like I've touched on earlier, Deputy, you could have had €100 million of an exposure there could have been one part maybe a €3 million loan that was an exception, but the entire thing was counted as an exception, the entire €100 million. Like I said at the same time though, Deputy, they were decisions, whether they were made within policy or within exceptions which turned out not to work out.