Mr. Brian Goggin:

Yes, I can't relate, Deputy, to the figure you mentioned. I looked at the subordinated liabilities of Bank of Ireland at 31 March 2008, which would have been the information current going into the meeting on 29 September. I might add that I had absolutely no idea whatsoever what the aggregate amount or the maturity profile of the liabilities of Bank of Ireland were on that occasion. I hadn't even looked at them; they didn't register on my horizon. However -----