Mr. Richard Burrows:

Well, if I may deal with the second part of the question first. In any public statement, if you're in a situation looking for capital, the last thing you want to do is to start talking about that publicly because that just engenders a great deal of uncertainty and loss of confidence in an institution. It's like a central banker or Minister for Finance not talking about a devaluation before he does it; he can't because you almost make the situation worse-----