Mr. John Beggs:

Yes, likewise. I had no knowledge, or even any inkling, that we could be in that degree of ... that degree of trouble and, you know, even, you know, talking to analysts outside of Ireland - bank analysts, credit analysts - they remained, you know, very, I suppose, positive about Ireland and the state of the Irish banking system. I can't put a date as to when that might have changed, but, you know, in comparison with, say, looking internally, at how people felt internally about it, the external view ... and they were very good analysts, I have to say. I had a high regard for their expertise and what they were doing, but this was still a very positive view and we had no ... I had certainly no inkling of it.