Mr. Con Horan:

So ... so that would have been part of the ongoing engagement at the time with ... with the institutions to see how they felt about their books in terms of what was ... was going on and the type of ... so they would have been doing their own analysis and contingency planning. I don't think that we went in to check that at that time, in July 2008, but it would have also been the case that around that time, rating agencies, etc., were looking at the Irish institutions and, you know, in most cases, I think, affirming their ratings in terms of their strength and their capacity to ride out the problems. So, there would have been a ... a view at that time, I think, even from international rating agencies, that the Irish banks were able to ride out the problems at the time.