Mr. Dargan Fitzgerald:

Well, I think I can comment because shortly after this time I would have become involved, as you would expect, in the planning for the following year.

I can say that as soon as the evidence of shortage of liquidity in the banking markets began to present itself, which, from memory, was towards the latter half of 2007 ... I can confirm that the audit team was aware of that and factored into its assessments for year-end 2007, an appropriate audit response.