Mr. Patrick Neary:

Well, I think that, from my recollection of discussions around that, is that those ... well, those institutions were interested in securing a guarantee for themselves. And I think that was their ... that was their overriding concern, to kind of "Guarantee us and, you know, don't worry so much about the depositors in the other institutions". And, you know, I ... I won't ... I don't think I can be led by that view that they say "Guarantee us and forget about everybody else". I mean, the assessment and the decision was grounded on what was considered to be the best thing to do on the night. And it was grounded on giving a guarantee to the depositors in solvent institutions. And, I think, while it wasn't there for the final ... the final, if you like, discussion and getting things down to the point of guarantee, guarantee plus nationalisation or guarantee in total, I mean, the reality of it is that, you know, these ... these individual institutions just seem to be looking after their own interests.