Mr. Michael Torpey:

Unfortunately, Deputy, I can't answer the question, because I left the bank in December 2007, and the preparation of the financial accounts will have been subsequent to year end. So I had no hand, act, or part in the putting together of the accounts, so I simply don't know what led to that number coming out. I think, to the substance of the point, I think the funding of the balance sheet through 2007 was driven by the stability of funding assured by RBS, and so I think the substantive point is that the balance sheet was managed appropriately and stably through 2007. But, as to the ... as to the ... as to the accounting error that led to the misstatement or whatever it was of the loan-to-deposit ratio in the end-2007 accounts, frankly, I have no information.