Mr. Donal Forde:

Yes, there was quite a bit of discussion at the board about whether that was the right thing to do. I think the ... there was different views. There was a conflicting view, one view held being that it was important at that point to demonstrate a confidence that the management felt that we were in a reasonably secure position from a capital viewpoint. There was another view with the idea that essentially we needed to conserve capital. And the view that went out was the one that we needed to make a strong statement to the market and I was persuaded by that, yes.