Mr. Donal Forde:

Because it was one of those measures by which we were trying to improve, essentially, the construct of the balance sheet. By being able to issue commercial paper, you improve your liabilities and you will ... that enhances your liquidity position. So, that was a positive step. But, if I take it in the context of the broader question you're asking, I'm not sure we fully understood. In fact, I am sure we didn't fully understand ... we did not anticipate the scale of dysfunctionality that came later in the interbank markets. I accept that point and I acknowledge it. Commercial paper would've actually been a positive feature of the work that was done to try and improve our position, or the issuance of it.