Mr. Donal Forde:

That seems accurate to me. Again, now let me ... I'm ... I have explained that my division wasn't so directly impacted, but I was party to the management meetings at which there was conversations about the two divisions that were more directly impacted, AIB capital markets and the UK, and certainly I could see that they were having difficulty increasingly in sourcing money from the market. The term for which they were sourcing it was shortening. So it's a judgment call as to whether it was going to last for a month or six weeks, but in broad terms I can understand that as being not an unreasonable picture.