Mr. Richard Burrows:

Yes, yes, as I'm sure it needed to be because, if I go back to what I was saying earlier, at that early stage, Bank of Ireland would have been a pretty difficult investment case to have made to any external investor absent the later creation of NAMA and the transfer and the certainty to the loan book of what was engaged in in property loans. So that all had to happen before, realistically, you could talk to external investors. Notwithstanding that, there were a number of interested parties moving around who were engaging us in conversations about capital. They came to nothing.