Mr. Tom Parlon:

Well, I'm just picking up on that now. That is our own ... well, obviously this was a result of ... well, you know, I think it's apparent now that in terms of due diligence for loans and so on that there was major deficiencies in terms ... and that became apparent to NAMA as well when they took over loan packages from banks, they discovered that the actual due diligence was very poor, that in terms of complying with the different areas of ... so on, security were very lax, but clearly there were ... there was verbal representations given at the time as well. I'm not 100% sure of why that particular ... but obviously there was somebody on our group that made a point of that and that point was made to NAMA. I don't believe NAMA, you know, took it on board certainly.