Mr. Eugene Sheehy:

We were in better shape than most. Now, when I say ... when you say October, as I said earlier on, we have the liquidity requirements, the regulatory requirements, and you always have a date which is point in time versus the end date, and that assumes nothing happens in the meantime. There was always going to be funding in the meantime so that date would keep on moving out, but there were real concerns after Lehman's that even offering better prices on term debt would have no effect because people were running to avoid risk everywhere. So we didn't know what was going to happen. The term debt of €15 billion was the kind of money that would be rolling over, kind of three and six month money that would be rolling over, and if that didn't materialise or roll up, it would have had to be replaced somewhere else.