Mr. Brian Goggin:

No, the wholesale markets were, you know, at the time a very established source of predictable funding. I mean, you'll see from the paper, we'd a series of programmes in place. You know, there was French commercial paper, dollar commercial paper, sterling commercial paper. There was asset covered bonds. There were securitisations, mortgage-backed securities, commercial mortgage-backed securities, a whole bunch of different instruments. I mean ... you know, this was an extremely broad, deep, and liquid market. Nobody envisaged that this source of supply was going to get choked off.