Mr. Patrick Davitt:

Well, those criticisms are what they found that the banks were doing. That the banks weren't getting proper valuations, possibly or ... not maybe proper valuations, but getting valuations on a ... a very regular basis. Like, valuers are happy to do valuations whenever they are required, because obviously they get paid for them, and they will look at the valuations. But like, in lots of reasons maybe banks don't want to get valuations done up to date. And I presume in those documents, you are talking about, the Central Bank was talking about the impairment of loans, because they had something to do with the impairment of loans. So that would make a differences to the valuations ... up-to-date valuation, as opposed to an older valuation that they were using because of the fact that we are looking at market value, and the values keep changing .