Mr. Gerry Fitzpatrick:

Yes. So, the bank make the assessment, the directors make the assessment of going concern and then I have to make an assessment that I believe that's reasonable. The directors make it based on all reasonable assumptions and I look at those assumptions to say are they reasonable. The big assumption in this case was the support of its parent and that was a significant assumption because of the sources of funding, the percentage of the balance sheet that was coming from that source and that, I believed, was reasonable expectation. It ... and when capital was needed in 2009, that expectation was borne fruit because there was a number of ... a couple of hundred million in 2009 that Royal Bank of Scotland did inject into the company. So, that was a reasonable expectation, therefore, the going concern assessment the directors made, based on the support of RBS, was reasonable and I ... and I made ... and I formed the view also that I thought it was reasonable.