Mr. David Duffy:

Can I give a personal opinion on that, if I may? I think that running an institution like the AIB is very complex. It isn't as easy as it looks. You need smart people, you need to get the best people for the market, you need to pay them what you need to pay them to do it right. I think that in that circumstance, you know, opening up to a participation, I'm not saying sell the entire bank, but selling a material amount that allows you freely operate on commercial terms in the marketplace, with a significant participation by the State, that hybrid of the future would, I think, be the appropriate model.