A mate of mine on the topic of the bloke on Scottish fivers:
Mate: "That's Isle of Whithorn"
Me: "No, it's Lord Islay"
Mate: "You sure? I'm pretty sure it's Isle of Whithorn"
Me: "Yes, I'm sure. Lord Islay was a man, Isle of Whithorn is a place"
Mate: *doubtingly* "HHmmm."