Mr. Patrick Neary:

And I fully ... I fully grasp where you're making the link here but if this report was presented to the Department of Finance on the evening of Sunday the 28th and the next meeting in relation to all of this was on the Monday evening at the guarantee discussion, this issue and these concerns were never discussed or raised at that meeting.

So in the meantime, something must have happened to, to satisfy the Department of Finance that these findings were so extreme, that ... and so ... so unlikely to occur, that it had no impact on the solvency situation of those two institutions, as of that time. Now that it is a speculative point, because I don't know.