Mr. Patrick Neary:

Yes ... yes, yes ... no, all institutions were in compliance with the 8% capital requirement. In fact, to the best of my recollection, Deputy, on the night of the guarantee, the ... if you were to calculate backwards from the risk assets in each of the banks, collectively the capital requirement was of the order of €33 billion and there was actually €36 billion in capital in the system. So there was some surplus capital in the system on that night.