John Paul Phelan (Carlow-Kilkenny, Fine Gael) | Oireachtas source

You're referenced at the top of the second paragraph yourself. And in it, at the bottom of that paragraph, there's a quote attributed, I assume, to you, which says that, "$20bn of Group borrowings [...] was due to mature over the next 60 to 90 days and was considered unlikely to roll over." This is about a week after the guarantee. I'd ask you maybe briefly to elaborate on that sum and also, in the absence of a guarantee, what options ... I presume there were options that were considered the previous week, at least, by Bank of Ireland, as to how that €20 billion would be met ... or $20 billion, would be met or not?