Mr. Paul Dobey:

I mentioned in my opening statement ... when we got to February 2009 we were very concerned about a number of aspects of going concern, including liquidity and solvency. The fact that AIB was predicting ... had taken loan loss provisions of €1.8 billion in 2008 and was predicting a further €6.2 [billion], I believe, on a stress case, was ... important in our consideration of the going concern and yes, it was important, and we engaged. So we were concerned in 2009 about liquidity and we spoke to the deputy governor of the Central Bank around the availability of ELA, and we got assurances in relation to that matter. We were also concerned, in 2009, about the capital of the bank and solvency, if I can put it that way. They had agreed ... the Government had agreed to put capital into the bank of €3.5 billion. That came in Q2. We weren't sure whether that was enough and we spoke to the Department of Finance ... to the assistant secretary general of the Department of Finance in February 2009 to get assurances that if more capital was required it would be made available.