Mr. Liam Kelleher:

No, the CIF, if anything, was oriented the other way. It had, as I mentioned, up to 2,500 members at its peak, very diversified, both in the nature of what they did and in where they were located. And the views from Donegal to Kerry would have been on local issues and would have been of small firms striving to be a step larger. In fact, many of the largest companies that we know now had become the largest companies and the largest borrowers were not actively involved in the CIF. Their affairs were at some distance from the CIF itself and many of them ... some of them were not members of the CIF.