Mr. John Hurley:

Yes, but if the Central Bank felt that it needed to use it we would have raised the issue with the Financial Regulator and I'm sure it would have been discussed at the board, and I doubt in that context whether it would have been necessary to issue a formal guideline. In my view, because we were discussing these in the context of the reports, and because the reports were the framework, as far as we were concerned that was the guidance. So if we thought it was necessary to issue guidance beyond that to the Financial Regulator, we would have done so and we would have discussed it at the board and I'm quite sure we would have found a way to do that, despite the particular provisions. So I don't think it's down to a legal issue is what I'm really saying.