Mr. Donal Forde:

Well I wouldn't say I was instructed, I mean, I think ... there would have been discussion going on at the executive management team and the issue of capital would have been under discussion because at that time there was an expectation in the market, essentially, that we needed capital. And I think ... like ... and I remember seeing some of the minutes here in the documents. I think the view of the finance team was that there were some steps we could take to improve our capital position, but not going so far as a capital issuance. So I was persuaded by that view, and I ... that's what informed ... so ... so I wouldn't say I was instructed, I would say I accepted the view of the finance team at that stage.