Mr. Con Horan:

I think in terms of the capital of the banks, I don't think that we were the highest in Europe that I'm aware of, but we believed at that stage that the banks were capitalised or at their solvency ratios. They were clearly, though, under enormous pressure, and it was a very difficult message at that point in time in terms of how you presented that message without exacerbating the problems that were already there. So, again, I can't look at the ... I actually don't believe that I've looked at the actual wording, but it was a very difficult and challenging time to get the message-----