Mr. Robert Gallagher:

Well, to pick up, Senator, on ... so yes, we were aware of the material stresses in the marketplace, from reading the media, and not from any interaction with the regulator on the topic. We did, at the time, have, to the funding question, the support of the RBS Group behind us, both from a capital and liquidity perspective, so ... so the ... the concerns that emanated in the market were ... were underpinned by our support from RBS.