Mr. Richard Burrows:

I don't recall specific options. If I go to the capital option that you're talking about, I often reflect back on that period. By the time that that memo was written, it was clear that capital raising in that form or any other form, was going to be pretty nigh impossible, given what had happened with share price, given the unwillingness, I would say, of the market to invest, given the uncertainty of the situation in Bank of Ireland, but was that something we could have looked at much earlier? Probably yes, but we didn't do that; by the time we came to look at it, clearly, the window had closed.