Ciarán Lynch (Cork South Central, Labour)
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And it's, it ... a presentation of what I can gather, is a strategy document, Our Goals and Customer Strategies. These are where Ulster Bank sees itself going into the future. They ... it would appear, as outlined in this - I think this was presented to the board on 27 April 2007, and the question I'll be putting to you it was to become ... the target for Ulster Bank was to become the No. 1 new mortgage lending by tripling current account volumes, and secondly to double your share of corporate lending in the Republic of Ireland from 15% to 30%. I may be asking your views on the ambition of that in a moment. But in deciding the strategy, did you have any concerns that this could potentially lead to a degradation in credit quality in the drive to gain market share?