Mr. Tony Grimes:

No, I'd like to be very clear here. I mean, when we're talking about the time period here, which is the autumn of 2007, it is purely contingency planning. Even in the marketplace, I think, there were not many doubts about solvency of any institution at that time. So I'll get back to what I say. We certainly, in my experience, had no particular institution in mind at that stage. It was contingency planning, as was being done elsewhere in Europe and globally, I guess, at the same time.