Mr. Cormac McCarthy:

I can't answer that question, Senator. I can speculate: the fact that we were not an indigenous Irish bank was ... you know, that we had a foreign or international shareholder was a factor in that, but, as I said in my opening statement, I rang the regulator after Lehman's collapsed. I rang the regulator each week before the 30th, just to ... just to reassure the regulator that RBS took its responsibilities seriously and that we were acutely aware of, you know, the stresses that, you know, that may have been there and to also ask the regulator if there was anything that we should know or be aware of, but I got no ... I got no indication back from the regulator to that effect, so essentially, on the night of the ... I learned about the guarantee and all that went with it on the morning of the 30th.