Mr. Cormac McCarthy:

I don't ... I don't believe so, Deputy, on the basis that there was a risk framework to our lending and funding and lending were separate, so treasury and capital risk were one part of the engine and credit and risk were another part, so to the extent that we had credit policies and approval policies, we couldn't breach those, even if we had the money, but, that said, having access to liquidity is not unhelpful, particularly from a cost perspective. If you can access relatively cheap liquidity, it does enhance your capability to be competitive.