Mr. Tony Grimes:

Deputy, yes. At that time there were concerns. Obviously, we read the papers; we were in receipt of reports from various sources; there was interaction with the markets; obviously we looked at share prices and so on, so it's absolutely true to say that we had concerns. Now, it's not the same thing as saying the concerns extended into us having a clear view of the insolvency of particular institutions but certainly I would say, from the spring onwards, you know, of 2008, there were concerns, but they were just concerns at that stage, as I said.