Mr. Patrick Neary:

The ... it's possible that ... that opinion was sought and discussed at the meeting that had taken place with Merrill Lynch the previous day that was attended by ... by the Governor and by the prudential director and that ... the prudential director would have been in a position to deal with this matter, had it been raised at that meeting by Merrill Lynch. The information we had was from Pricewaterhouse and also from Goldman Sachs in relation to this particular institution.